Car insurance problem

doggyland

Hi guys,

i got problem with my car insurance. I had accident 3 years ago, month after i changed my insurer for new. at that time i was 100% sure that accident wasn't my fault so i declare that information on my new policy. 

6 months after previous insurance company sent me letter that accident was my fault and i didnt update my existing policy since. I driving like that for 2.5 years.

 What i should do now? Change car insurance for new? I got 3 months left for renewal and will have 3 years no accident premiums but can i use premiums on new policy if i kinda lied to previous insurer? Can someone advise please? Or what happen if i call my existing policy and tell them everything? I have no idea what should i do now

DullGreyGuy

Why after 2.5 years is it suddenly a worry for you now?

Having bought this policy under false pretenses they'd be entitled to void the policy and keep the premiums. You'd then have to admit to that for the rest of your life for all your car, home etc insurance. Given you'd be admitted to the issue they may decide to be more lenient -v- if they'd caught you out but there is no requirement for them to treat you differently. 

doggyland

It wasn't my intention to lie when I started that policy but I understand that its all my fault. What if I open new policy with different insurance with 0 years no claim premiums declared and if I inform about accident in past will that helps? Or there is still risk that they may cancel my policy for some reasons? 

SpudGunPaul

doggyland said:

It wasn't my intention to lie when I started that policy but I understand that its all my fault. What if I open new policy with different insurance with 0 years no claim premiums declared and if I inform about accident in past will that helps? Or there is still risk that they may cancel my policy for some reasons? 

If you do that there will still be a record of what's happened unless somehow you can do it with completely different details. 

diystarter7

Hi OP

Sorry, could you elaborate on how you was a "hundred per cent sure ..not your fault"?

Are you saying you guessed?  Even if you did, why not then declare it when you found out?

Thanks in advance. 

doggyland

SpudGunPaul said:

doggyland said:

It wasn't my intention to lie when I started that policy but I understand that its all my fault. What if I open new policy with different insurance with 0 years no claim premiums declared and if I inform about accident in past will that helps? Or there is still risk that they may cancel my policy for some reasons? 

If you do that there will still be a record of what's happened unless somehow you can do it with completely different details. 

Is there anything i can do? 

doggyland

diystarter7 said:

Hi OP

Sorry, could you elaborate on how you was a "hundred per cent sure ..not your fault"?

Are you saying you guessed?  Even if you did, why not then declare it when you found out?

Thanks in advance. 

Yes i just guessed as it was hit in back of my car and 2nd driver run away from accident place. but it was straight after i get my licence i didnt know what to do i have no damage on my car, so i just called Police if they can get anything from cameras? then i called insurance and they as far i remember ask me only to describe accident. Then it was quiet for 6 months. Meantime i opened new policy. I cant tell now why i didnt declare it i should do

SpudGunPaul

doggyland said:

diystarter7 said:

Hi OP

Sorry, could you elaborate on how you was a "hundred per cent sure ..not your fault"?

Are you saying you guessed?  Even if you did, why not then declare it when you found out?

Thanks in advance. 

Yes i just guessed as it was hit in back of my car and 2nd driver run away from accident place. but it was straight after i get my licence i didnt know what to do i have no damage on my car, so i just called Police if they can get anything from cameras? then i called insurance and they as far i remember ask me only to describe accident. Then it was quiet for 6 months. Meantime i opened new policy. I cant tell now why i didnt declare it i should do

So what you're actually saying is it's an at fault claim as your costs were never recovered. 

diystarter7

doggyland said:

diystarter7 said:

Hi OP

Sorry, could you elaborate on how you was a "hundred per cent sure ..not your fault"?

Are you saying you guessed?  Even if you did, why not then declare it when you found out?

Thanks in advance. 

Yes i just guessed as it was hit in back of my car and 2nd driver run away from accident place. but it was straight after i get my licence i didnt know what to do i have no damage on my car, so i just called Police if they can get anything from cameras? then i called insurance and they as far i remember ask me only to describe accident. Then it was quiet for 6 months. Meantime i opened new policy. I cant tell now why i didnt declare it i should do

Hi
Many thanks for the update, appreciated.
The question asked when signing up for new insurance often worded around have you been in any accidents and not just claims - what did you answer to that?
The insurance may ask you why you had not updated earlier so be prepared.
Good luck.
Thanks

facade

SpudGunPaul said:

doggyland said:

diystarter7 said:

Hi OP

Sorry, could you elaborate on how you was a "hundred per cent sure ..not your fault"?

Are you saying you guessed?  Even if you did, why not then declare it when you found out?

Thanks in advance. 

Yes i just guessed as it was hit in back of my car and 2nd driver run away from accident place. but it was straight after i get my licence i didnt know what to do i have no damage on my car, so i just called Police if they can get anything from cameras? then i called insurance and they as far i remember ask me only to describe accident. Then it was quiet for 6 months. Meantime i opened new policy. I cant tell now why i didnt declare it i should do

So what you're actually saying is it's an at fault claim as your costs were never recovered. 

I suspect the OP was confused by the Insurance definition of "at fault" (= insurer paid out and didn't get the money back) not being the commonly understood one (= they caused the accident).

Easy to do if you simply claim on your own insurance and forget about it (which is why you bought fully comp. in the first place)

I notice now the "previous accidents and claims" section has "recovery made" for you to tick (no doubt if you remember that the car had to be recovered by the AA.........)

If they try to cancel the policy I'd be escalating a complaint to the Ombudsman as there was an honest mistake rather than a deliberate lie.

The insurer should just recalculate the policy cost with an at fault claim and ask for the extra money, unless for some reason they can insure someone with a non fault accident but not an at fault one.

doggyland

diystarter7 said:

doggyland said:

diystarter7 said:

Hi OP

Sorry, could you elaborate on how you was a "hundred per cent sure ..not your fault"?

Are you saying you guessed?  Even if you did, why not then declare it when you found out?

Thanks in advance. 

Yes i just guessed as it was hit in back of my car and 2nd driver run away from accident place. but it was straight after i get my licence i didnt know what to do i have no damage on my car, so i just called Police if they can get anything from cameras? then i called insurance and they as far i remember ask me only to describe accident. Then it was quiet for 6 months. Meantime i opened new policy. I cant tell now why i didnt declare it i should do

Hi
Many thanks for the update, appreciated.
The question asked when signing up for new insurance often worded around have you been in any accidents and not just claims - what did you answer to that?
The insurance may ask you why you had not updated earlier so be prepared.
Good luck.
Thanks

I did answer that I been involved in accident. 

Okay I understand that I lied to my current insurer and it can cause big consequences but 

If I open new policy will be honest with past accidents etc. Do not declare premiums from current insurance. Will they still find out?