Disclosing claims

Steadyeddie_2

Hi all
I have made 2 claims on my employers insurance for minor bumps this year, do I have to disclose these to my personal car insurers?

comeandgo

Does your insurer ask if you have made any claims?  If so you must answer truthfully.  

LightFlare

More than likely yes

It depends on the wording/question on the declaration or in the policy details.

Steadyeddie_2

comeandgo said:

Does your insurer ask if you have made any claims?  If so you must answer truthfully.  

Technically it's the company that have made a claim on their policy so not sure if I have to disclose them

Ozzig

Steadyeddie_2 said:

comeandgo said:

Does your insurer ask if you have made any claims?  If so you must answer truthfully.  

Technically it's the company that have made a claim on their policy so not sure if I have to disclose them

When I moved from a company car scheme, I had this conversation with the insurers I got personal quotes from.

I had a hit-and-run when parked which the company did not claim on their insurance and just had the car fixed.
Also, a non-fault claim where the moron who hit me admitted fault, then denied fault, then when it came to a court date, admitted fault, this was all handled by the insurers.

They all confirmed they wanted to know about both incidents, but neither had a big impact on my premiums as coming from a company car scheme I was starting with no no-claims anyway.

Steadyeddie_2

I've run a few quotes and if I add both claims it doubles my premium from £400 to £800!! And I lose most of my 6 years no claims bonus

400ixl

Steadyeddie_2 said:

comeandgo said:

Does your insurer ask if you have made any claims?  If so you must answer truthfully.  

Technically it's the company that have made a claim on their policy so not sure if I have to disclose them

Technically you made the claims through their policy. They want to know your history, so yes all accidents and claims need to be disclosed as per the question asked.

Ozzig

Steadyeddie_2 said:

I've run a few quotes and if I add both claims it doubles my premium from £400 to £800!! And I lose most of my 6 years no claims bonus

When I had a company car, I also insured my own car (9+ years NCD) so declared the incidents when renewing that one and it didn't make much of a difference, from memory about 10% but it did not change my NCD with them.

As I cannot have two policies with the same NCD, the car I have to replace my company car started from no NCD so the claims did make a difference but only about £20-30.

I did make it clear to both insurers that the incidents were on a company car in my sole use, not sure if that's any different from your situation. 

400ixl

It should not be affecting your NCD at all as that is a separate policy. You still put in the amount of years NCD you have when getting the quote.

Aretnap

Steadyeddie_2 said:

comeandgo said:

Does your insurer ask if you have made any claims?  If so you must answer truthfully.  

Technically it's the company that have made a claim on their policy so not sure if I have to disclose them

In nearly all cases the question will be "have you had any accidents or claims in the last X years?" or something very similar. Clearly you've had accidents, whether or not you consider yourself to have made a claim, so the answer has to be "yes".

As above your no claims discount should be unaffected as NCD applies to a policy, not a person

mgfvvc

Steadyeddie_2 said:

I've run a few quotes and if I add both claims it doubles my premium from £400 to £800!! And I lose most of my 6 years no claims bonus

If you have run quotes with and without and you now don't declare them there is a risk that their fraud detection systems will pick that up That's not a risk you should take.

Did you run the with quotes assuming a reduced NCD? If you did that was wrong as you haven't claimed and your NCD is unaffected.