Car insurance claim?

rick_2-2

If you have an accident, assuming its your fault and you pass over your details to the other party and also contact your own insurance company to inform them.

Does this then mean you need to declare this as an accident in future insurance quotes?

As this happened but nothing was ever heard from the party claiming or from either insurance company about the incident, no excess has been paid either?!

Thanks

telly-addict

Your safest bet is to disclose the incident, but to make it clear that you have made no claim on your comprehensive cover and there has been no third party claim to date against your insurance.

The other party in the accident legally has 3 years to make a personal injury claim against your insurance and 6 years to make a damage claim. These things can take time, so you're better to be safe than sorry.

If you don't want to register this as a claim to new insurers, you will have to tell your current insurers that you will deal with any third party claim arising.
Afraid that honesty is the best policy when it comes to insurance. You don't want to prejudice your new cover.

MarkyMarkD

Even if you don't claim, you should still declare any relevant facts to any future insurer - and a relevant fact includes an accident that you pay for yourself.

As you've actually notified your insurers, it's definitely "on the record" and you must therefore disclose it in future.

Paul_Varjak

If you read your policy documents you will, undoubtedly, find that you are requiored to report all accidents to your current insurer whether a claim is made or not.

If you apply for insurance with another company you will have to state what accidents you have had; again, no matter whether you have claimed or not.