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Do I have to declare an accident in my Van on my new Cars Policy
Comments
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You're not being punished. You still have full NCB on your car policy. It's just that in their eyes you're a higher risk because you've had an accident and claim compared to someone who hasn't.
Remember the saying: if it looks too good to be true it almost certainly is.1 -
This might come as a bit of a surprise to you but generally, when you are asked a clear question, you answer the question you are asked - not the different question you wished they had asked.
Unless you are a politician…
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Your risk is based on your driving record. Not on the vehicle you happen to have been driving.
Imagine having 3 accidents in a car in the one year - no problem, I’ll just get a new car so it means I haven’t had any accidents.
I got done for speeding - well it was a different car so I don’t need to declare the points. Is that how you think that works as well?
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I remember someone on here once running a hire car outfit.
“have you ever had an accident?”
No was the answer.”how long do you need the vehicle?”
No idea, my car is in the garage for an accident repair2 -
Could have been her husband driving at the time??
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The punchline was “yeah some idiot drove into me”
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To be fair, I think the OP was making the reasonable (if incorrect) assumption that if he has two separate policies for two different vehicle types, that are treated as completely separate when it comes to No Claims Discount, that they would also be separate when it comes to claims/accidents.
However, insurance doesn't work like that!
The driver is the risk, that affects any and all policy premiums, and each policy gets a small discount for being claim free whilst in force. The NCD is more of a "loyalty discount" than anything, that insurers can withdraw to punish daring to claim.
I want to go back to The Olden Days, when every single thing that I can think of was better.....
(except air quality and Medical Science
)1 -
You are not insuring the vehicle but insuring yourself to drive a specofic vehicle - If stopped by the Police for example they will check that there is an insurance policy covering that vehicle and that your are a named driver on that policy. Are you a named driver or is there a clause that that says Any authorised Driver usually a Company Policy - The company should/will hold a list of authorised people - You might drivr a company car but sometimes not commercial vehicles.
When filling in an insurance application it asks about your driving history - have you had an accident/claim ON ANY VEHICLE within the last Five Years?
It does not ask who was at fault, that is a seperate question.
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