Car insurance claim history declaration

cmagic1

Hello All,

I am having a dilemma in terms of car insurance, my costs are pretty high as is, but a year ago when learning still, someone hit my car, i claimed on their insurance etc etc. I declared this on my 1st policy and its just ended and they can no longer insure me on my car. 

The price for a new policy is approx. £2700 no black box, if i declare this non fault claim (putting aside how stupid i think it is i have to declare / pay the price for someone else's mistake and claim) it goes to around £4200 so there's a difference between paying £250p/m and £380+ p/m. 

I'm looking for anyone else who have had a similar situation in the past / had an insurance company not pay out for this issue, I know there's always the chance they don't notice (concern being the person who's hit me insurance is the people i'd like insurance from and i know its all in a database) and apparently they can give reasonable consideration if you have a clean history etc. I have declared a few mods on the car in an attempt to make up for the declaration shortfall. 

Any advice or wisdom would be warmly welcomed!

Inbetweeners

'Declaration shortfall' - is that a new word for fraud?

I you want to add 'having insurance cancelled' to declare as well then crack on.

It would be a monumentally stupid thing to do.

DullGreyGuy

cmagic1 said:

I'm looking for anyone else who have had a similar situation in the past / had an insurance company not pay out for this issue, I know there's always the chance they don't notice (concern being the person who's hit me insurance is the people i'd like insurance from and i know its all in a database) and apparently they can give reasonable consideration if you have a clean history etc. I have declared a few mods on the car in an attempt to make up for the declaration shortfall. 

Any advice or wisdom would be warmly welcomed!

So you were considering committing two frauds? Non-declaration of a claim and non-declaration of mods?

The problem with legislation CIDRA is that any intentional or reckless non-declaration entitles the insurer to avoid a claim and void the policy, it doesn't have to have any relevance to any claim etc. 

Did have one insured "forget" to declare a claim, was easy to spot because the claim not only was on CUE but it was with one of our other brands. It was definitely intentional because he'd done two quotes, one with the claim and one without. Unfortunately for him he had an RTC before we could cancel the policy for fraud, not sure that would have stopped him driving anyway. 

Was paying back the £45,000 in damages the cyclist was awarded with a charge on his home... oh, and FYI, damages for injuries are excluded from bankruptcy and so they will be paying it back, just before I left they they'd gotten an attachment of earnings so his employer was direct taking the money out of his net salary to repay. 

TELLIT01

If you don't declare the previous accident, assuming the question doesn't ask if you had any accident where you were 'at fault', would be very unwise.  The insurer is likely to check your insurance history and will find the accident.  The most likely result then is a refusal to provide cover plus a note onto the system stating why.  When you try other companies the cost will either be sky high or they will also refuse cover.  The alternative scenario is the insurer not checking and you then having an accident.  If they then discover the previous undeclared accident the will almost certainly refuse to pay out.