Hi Guys,
I’ve got a mate who’s renewing his insurance and has a query…
He was involved in an accident, not his fault, and claimed through the other drivers insurance.
The question is does he have to declaire this when he’s renewing his insurance?
Cheers guys
Jolyon
could your friend not just phone a random insurance broker and ask them?
I’m also reasonably sure that the question is phrased “claimed through your or a 3rd party’s insurance” on some forms.
If that doesn’t work try sticking “Citizens advice bureau” into google and seieng what it comes up with.
Its normally a question that gets asked in the process of obtaining insurance these days… Always best to tell the truth on that one as it can void insurance as a mate of mine found out the hard way.
Nice speedy replies, cheers fellaz.
Yes he/she does have to tell the insurance company… if the question is asked. If it is a renewal, in theory they should know and the premium adjusted accordingly, but it is classed as a change in circumstance I believe and should be reported.
If the question is not asked by the company, he/she is not at liberty to disclose the information.
I had this problem of a non fault costs fully recovered claim, and I got stung dispite being in the wrong place at the wrong time, and nothing being my fault. Apparently, even though it was not my fault, statistically, I am more likely to have another accident that IS my fault in the next 3 years… so my premium has increased… what a load of balls!
Anyway. Info and rant over!
I just spoke to our motor broker people and they said that so long as he claimed directly off the third party he doesnt have to declare it as it isnt a material fact to his policy.
Personally, I would be tempted to tell them to avoid any problems in the future.
My claim was handled through my insurance company but all costs and expenses recovered through their insurance company (saga - says is all). Dispite that, I get shafted.
They always ask the question “regardless of fault” so that means you must disclose. 
ALWAYS declare anything like that.
If you have an 'off 'and need to claim and this previous claim comes to light and they don’t know about it …well, it gives them a good reason to withdraw cover.
better to err on the side of safety…!!
Another 2 posts, don’t you guys have jobs!!!
Cheers, I think these responces might just be enough to convince my mate the LB is the place to be when it comes to biking in London.
Jolyon
Declare it for sure and as it`s a non fault accident the new insurance premium should not be affected.
Trust me mate, it will be affected as mentioned above!
Mine wasnt, id go elsewhere if they wanted to charge me extra.
I did, everywhere I went was ready and waiting with a very large and wide barge pole!
Regardless of fault, or cost, the fekers were chargin me more!
The back pages of MCN have plenty of specialist insurance brokers, worth a try next time your up for a renewal or perhaps ask here on LB for recommendations.
This was in the ole tin can, bike is all ay ok!
Cheers anyway B
Best to declare it as I renewed a few weeks after starting a claim against a 3rd Party who had very kindly driven over my bike while parked outside my flat. Next thing I know I get a very curt letter asking me to contact them. They had a record via the motor insurers database that I had made claim on a 3rd party even though I the claim was nothing to do with my insurers as I only had 3rd party cover and claim had not even been really started. Once told they seemed cool about it and no increase in the initially quoted premium this year but will wait and see for next year! Basically if it goes initially via any insurers even if declined there will be a record somewhere that others will check.
claiming, directly or indirectly is irrelevant …
99% of insurers companies use the following question or something very close:
“have you had any accidents, claims or losses in the last 5 years regardless of fault”
so yes, you have to declare it.
