Insurance - accident in a different vehicle

james_786

Just looking for some advice. I drive two different vehicles. One is my own car, which is covered by my own insurance policy. The other is a work van, which is provided by my employer and covered by my employer's insurance policy. I was recently hit from behind while driving the work van. I exchanged details with the other driver, damage to both vehicles was minor. Any insurance claim will of course be a matter for the other driver's and my employer's insurance providers. However I was wondering where I stand regarding my insurance policy for my own car, and my no claims discount? If I recall correctly accidents in the last five years need to be declared to insurance providers regardless of fault and whether or not there was a claim, so obviously whatever the outcome I will need to declare this when renewing or taking out a new policy, but I'm not sure how to deal with it regarding my current policy, since the incident concerns neither this policy nor the vehicle covered by it, but does involve myself as the policy holder and insured driver. Any advice appreciated

comeandgo

Does it state in your terms and conditions that any incident should be reported?

james_786

Not sure I'll have to have a look through the T's & C's. Though I just noticed that there is an option in my account with my insurance provider to add details of incidents so...probably. It's making more sense now I'm thinking about it, I just needed to get my head around the situation.

Aretnap

You won't usually have to inform your own insurers of an accident in another vehicle until renewal time, unless there's a possibility that you might need to claim on your own policy via your driving other cars cover. However do check your policy documents to be sure. As you'll have to tell them at renewal time anyway, there is no harm in telling them now if you're unsure.

No claims discount applies to a policy, not to a person, so your NCD on your own policy will be unaffected by an accident in your work car, regardless of blame. 

Mr.Generous

Myy thoughts are that it's your employers policy and them who will declare it when they renew.

facade

Mr.Generous said:

My thoughts are that it's your employers policy and them who will declare it when they renew.

Yes, both the OP and their employer will have to answer yes to the question about "Have you had any accidents, made any claims or suffered any losses in connection with a motor vehicle in the last 5 years?"

The employer has made a claim, the OP had the accident.

It won't affect the OPs no-claims bonus, but is pretty much certain to raise the policy price as he will be seen as a greater risk.

DB1904

Aretnap said:

You won't usually have to inform your own insurers of an accident in another vehicle until renewal time, unless there's a possibility that you might need to claim on your own policy via your driving other cars cover. However do check your policy documents to be sure. As you'll have to tell them at renewal time anyway, there is no harm in telling them now if you're unsure.

No claims discount applies to a policy, not to a person, so your NCD on your own policy will be unaffected by an accident in your work car, regardless of blame. 

What if the policy states otherwise?

Aretnap

DB1904 said:

Aretnap said:

You won't usually have to inform your own insurers of an accident in another vehicle until renewal time, unless there's a possibility that you might need to claim on your own policy via your driving other cars cover. However do check your policy documents to be sure. As you'll have to tell them at renewal time anyway, there is no harm in telling them now if you're unsure.

No claims discount applies to a policy, not to a person, so your NCD on your own policy will be unaffected by an accident in your work car, regardless of blame. 

What if the policy states otherwise?

That would be unusual. Hence "usually". 

Jasonh2015

With insurance it's best to declare everything, if it cannot be use, it cannot be used. Saves any surprise additional premiums/declines in the post/email.