Insurance Policy Claim Statement

looknohands

I'm buying car insurance and I'm unsure on the claims section.

I had an accident and it was my fault, but the claim was made against the van owners policy, not my policy I wasn't a named driver on the vans policy it had an any driver over 25 policy on the van. My old insurance company knows I had an accident as I reported it to them.

I'm filling out the new insurance application with Admiral and I've put that I've had an accident in the last 3 years, damage to other car unknown, and then it has 'fault claim or no claims bonus lost' which I have no idea as the van owner said leave it with me. Is this asking if there was a fault claim against myself, or if the case overall itself resulted in a fault claim?

I have zero info about the claim, whether a claim was even made, how much the claim was for and due to circumstances now have no contact with the owner of the vehicle.

A friend of mine who works in car insurance has told me there would be no record to link it to my personal insurance but then I'm a bit dubious of this, wondering if I should just base the quote on worst case scenario, write off and claim against myself.

neilmcl

You need to log it as a fault claim, it doesn't matter which policy it was claimed against, you still had an "at fault" accident.

jimjames

Did you lose your NCB? I would understand from your post that the answer is no which is then the answer you give. You do have to report the accident though.

dacouch

looknohands wrote: »

A friend of mine who works in car insurance has told me there would be no record to link it to my personal insurance but then I'm a bit dubious of this, wondering if I should just base the quote on worst case scenario, write off and claim against myself.

There is a record of the claim, at the very least Admiral know about it, they may also upload the details on your application to the Insurance Hunter Database

looknohands

There might not be a claim though, isn't a claim different to an incident?

For all I know the other driver may never have claimed, therefore there's no determination as to who was at fault as it would never have been assessed?

After giving a statement I didn't deal with any of it, the insurance was held by the owner of the van. I wasn't a named driver, it was an any driver policy. I guess similar to how a hire car is insured by the hire car company?

There is a record of the incident logged with my current insurer AXA. But it hasn't effected my no claims, would it effect this if there had been a claim?

arcon5

Did you make a claim or had a claim against you? No, the third party and policy holder did.

You declare it as an incident though