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Accident in Company Car
Hello All,
I am after some advice please. I currently drive a company car but am also a named driver on my wife's insurance policy.
I had an accident in my CC a few months back which was my fault (minor accident no injuries) which was dealt with by my company insurance.
My question is now my wife's insurance is due for renewal do I need to declare my accident even though it didn't occur on my personal insurance policy?
I assume the answer is going to be yes but I just want to be sure before I do it as I'm sure it will increase her premiums slightly.
Thanks
David
I am after some advice please. I currently drive a company car but am also a named driver on my wife's insurance policy.
I had an accident in my CC a few months back which was my fault (minor accident no injuries) which was dealt with by my company insurance.
My question is now my wife's insurance is due for renewal do I need to declare my accident even though it didn't occur on my personal insurance policy?
I assume the answer is going to be yes but I just want to be sure before I do it as I'm sure it will increase her premiums slightly.
Thanks
David
0
Comments
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Yes. "Any accidents, claims or convictions?" is the normal question, with no "on this insurance policy" caveat. You've had an accident and a claim.Proud member of the wokerati, though I don't eat tofu.Home is where my books are.Solar PV 5.2kWp system, SE facing, >1% shading, installed March 2019.Mortgage free July 20230
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As above. If there was a claim on her policy and a quick cursory check of the Motor Insurance Database returned a hit for your name and a claim and you hadn't put it down then her insurer could refuse to pay her out or if there were a third party claim pursue her for the value of the payout.This is a system account and does not represent a real person. To contact the Forum Team email forumteam@moneysavingexpert.com0
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Yes - claims regarding named drivers need to be declared. We even got a premium amendment (and admin fee) on my wife's policy because a non-fault claim by me (in my company car) was still showing on CUE database as Fault ... because the 3rd party insurer hadn't yet paid the claim - almost a year later! (Claim was in April 2016 ... wife's renewal was September 2016 ... premium adjustment was January 2017 ... 3rd party finally paid the claim April 2017).0
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Thanks everyone I thought as much as it sounded a bit shady to not declare but didn't want to bump her premium if it was acceptable not to.
I will let her know not needs to be included
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You can make a subject access request to the MIB to obtain your records. It will take about a month,you might not have time to check if your accident has been registered.Feudal Britain needs land reform. 70% of the land is "owned" by 1 % of the population and at least 50% is unregistered (inherited by landed gentry). Thats why your slave box costs so much..0
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Yes
The wifes insurance co will not care or check at time of taking the policy HOWEVER should she/you have a claim they will raise the issue and you may be uninsured.0 -
C_Mababejive wrote: »You can make a subject access request to the MIB to obtain your records. It will take about a month,you might not have time to check if your accident has been registered.
What is the point paying mib for a SAR???
Waste of money and time.
The OP knows his claim has to be disclosed.
(The database which holds claim details which insurers use to share info to cut down on fraudulent motorists is CUE)0 -
Yes i agree,its just always nice to know whats on there. The correct route is for op to fess up.What is the point paying mib for a SAR???
Waste of money and time.
The OP knows his claim has to be disclosed.
(The database which holds claim details which insurers use to share info to cut down on fraudulent motorists is CUE)Feudal Britain needs land reform. 70% of the land is "owned" by 1 % of the population and at least 50% is unregistered (inherited by landed gentry). Thats why your slave box costs so much..0 -
C_Mababejive wrote: »Yes i agree,its just always nice to know whats on there. The correct route is for op to fess up.
Why would the OP want to know what information the mib hold on him? They won't have any relevant info on him!
As already posted, just a waste of time and money!0 -
Of course i mean this..
https://www.mib.org.uk/media/335232/cue-and-miaftr-dsar-request-form_v01.pdfFeudal Britain needs land reform. 70% of the land is "owned" by 1 % of the population and at least 50% is unregistered (inherited by landed gentry). Thats why your slave box costs so much..0
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