Hello,

I have 2 cars and hence 2 policies and I have had a claim made by the named driver on my policy #2.

Do I need to report this when i am renewing policy #1.

I am going through the insurance form filling and i am being asked
"Have you made any claims in the past 3 years". i personally have not on this policy, but my wife who is a named driver on policy #2 has.

Hello Techie,

I had exactly the same situation and simply asked, the answer I was given was yes, it should be reported as an incident on a policy of mine for which the policy holder is deemed to have made the claim not the other named driver.

In our case it was a middling claim, some £1400. It made no difference on the other policy as it happened but it could have been used to quibble a claim if it had not been declared.

The insurers database is getting good at cross referencing so it is generally best to ask and to have evidence that you asked in case of problems later!

KRs Funforus

thanks for the reply funforus,

what is a middling claim? you mean to say it made no difference to the policy for which you wanted the quote (i.e. policy #1 in my case). what do you mean by quibble a case?

i was thinking of continuing with my exisiting insurance since they have already sent me a renewal policy with no questions asked (i would not need to report any accidents on other policies to them), and hence i would not need to provide accident details in the first place.

Check the renewal again, it probably requires you to declare anything that may affect the risk BB

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Circumstances alters cases!!

A 'middling' claim is one that isn't enormous but isnt trivial. One that with admin costs would represent more than a couple of years premiums and make the insurerst think about how to get the money back!

If you don't declare factors that you are required to or if you tell lies then the insurers may refuse to pay out a claim and leave you in the lurch. Franly I don't have much sympathy for people who misrepresent the risk, they make it more expensive for me.

Sure thay have not asked but if you read the small print you will find that you should inform them of anything and everything . . . Not just a claim on another policy but even things like a pending prosecution, fitting wider wheels, sticking a bullbar or winch on the front of a 4x4 or allowing the second or subsequent drivers to do more frequent driving than the 'first driver'. (That's one that really gets me as irresponsible and inexperienced drivers often spend several hours per day on the road on a policy that partner, mum or granddad took out for a couple of hundred pounds. When they have a claim for a couple of million guess who is footing the bill?)

Like BB says, you must report things, the onus is on you to ask if they want the information - and I suggest you always do that in writing in case they say they don't want it then later say you had hidden it from them and they will quibble about paying out a claim.

KRs Funforus