Car insurance advice please

PinkDot

Hi, my son has been a named driver on my car insurance for three years with no claims. He's taking out his own insurance on his own car now. He drives a van at work and has bumped the wing mirror (paid work to fix it) and paid work for scratches too. Don't think work made insurance claims but not sure.
Does he legally have to inform his car insurance of work bumps in their van?
If so how much detail? If he gets the date wrong will it matter?
I know they want to know but what legally does he have to tell them?
Any advice appreciated

pramsay13

He has to answer all questions truthfully so it depends exactly what is being asked. 

PinkDot

Thank you, it says, has he had any claims on the policy he is a named driver on? I'm assuming that's the car policy and no he hasn't. I don't think he is a named driver at work, I think everyone who works there is insured for all the vans.
A different company says, "This includes cars, motorbikes and/or vans. Tell us about it even if the driver didn't claim and no matter who's fault it was". So even if someone scratches your mirror and you decide to leave the scratch there you must tell them and pay extra.
I think we'll just look for a company who is only interested in the car details

Car_54

PinkDot said:

Thank you, it says, has he had any claims on the policy he is a named driver on? I'm assuming that's the car policy and no he hasn't. I don't think he is a named driver at work, I think everyone who works there is insured for all the vans.
A different company says, "This includes cars, motorbikes and/or vans. Tell us about it even if the driver didn't claim and no matter who's fault it was". So even if someone scratches your mirror and you decide to leave the scratch there you must tell them and pay extra.
I think we'll just look for a company who is only interested in the car details

I think you'll have a long and fruitless look. The driver is a more important factor than the vehicle. 

Arunmor

The company that own the van will not have claimed for a wing mirror.

MyRealNameToo

PinkDot said:

Thank you, it says, has he had any claims on the policy he is a named driver on? I'm assuming that's the car policy and no he hasn't. I don't think he is a named driver at work, I think everyone who works there is insured for all the vans.
A different company says, "This includes cars, motorbikes and/or vans. Tell us about it even if the driver didn't claim and no matter who's fault it was". So even if someone scratches your mirror and you decide to leave the scratch there you must tell them and pay extra.
I think we'll just look for a company who is only interested in the car details

Why are you assuming it's only a car policy? Does it say only a car policy? If not then you can equally be a named driver on van and bike policies and it would be much safer to go with what it asks not make ungrounded assumptions. 

Most companies ask the second question, want to know of all losses irrespective of vehicle, fault or if a claim was made or not. Now clearly some will "forget' to mention very minor incidents but ultimately they are running a risk. Plenty of people get caught, though not the majority, and end up in much worse positions when their policy is voided for fraud and claims are repudiated. 

Dont think you will find any policy that is only interested in the vehicle, the driver makes much more difference to the premium than the vehicle. Indeed most the vehicle impact is because what sort of person typically drives a hot hatch etc hence why for me a group 50 expensive car was much less to insurer than a Mini Cooper S worth less than a third the price.