Car insurance - need to declare a push bicycle incident?

wilko789

I am a named driver on a car insurance policy.

A while back whilst cycling and dodging a pot hole I clipped a parked car's wingmirror. But worried it might cost £££ I checked with my bicycle insurance's public liability (so they may well have kept details). But it was minor and I ended up paying low double digits cash to get it put back on. No claim.

Do I need to declare this on a car insurance, if it is asking if I have any motor claims/incidents in the last 5 years? I clearly was not using any motor vehicle of any sort [or any 'vehicle' under the road traffic act]. But it did involve a motor vehicle. But the extreme of this would be if I were a pedestrian and was run over by a car, this would be a motor incident as it involved a motor car...!

Any thoughts/advice please? I know if I ask they will count it against me, similarly if I declare it because I felt it met their requirements to disclose (regardless of whether it actually does). So a bit of a catch 22.

vacheron

My thought would be no. 

If you didn't own a car, you wouldn't have been penalised for your accident, so why should you be just because you do. 

To my mind, you didn't "have a motor vehicle accident", you simply accidentally damaged someone else's property. ... the same as had a child hit it with a football.

Not an insurance underwriter, so my take may not be correct, but it at least seems logical to my mind! 

DullGreyGuy

Ultimately you need to read the question asked and answer it honestly; this includes any additional helper text 

In most cases it will only require declaration where you are in control of a motor vehicle or something that happened to your motor vehicle when it's not under control. This includes incidents involving getting in/out of a motor vehicle. 

TELLIT01

As cyclists aren't required to have any form of insurance I would surmise that the answer is "No you don't have to declare it".