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Need help with car insurance pls

manzi Avatar
8y, 5m agoPosted 8 years, 5 months ago
When filling out details on the internet sites that compare car insurance quotes, it asks "Any motor accidents or claims in the last 5 years?"

Now i have made a claim on my car insurance last year but have also made a claim on my van via its own insurance. Do i need to tell the company about the van insurance claim or just the car insurance claim?

Thx for ur time
manzi Avatar
8y, 5m agoPosted 8 years, 5 months ago
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Comments/page:
#1
Both as they mean have YOU made any claims, not have you made any claims on this car!! this will make your premium quite abit more though!!
#2
I agree, both should be declared, but will only affect the premium if you were at fault.
#3
I wouldn't bother telling them about the Van claim as it was on another policy.
#4
hollypinder
Both as they mean have YOU made any claims, not have you made any claims on this car!! this will make your premium quite abit more though!!


shauneco
I wouldn't bother telling them about the Van claim as it was on another policy.


This is what im confused about. Am i or am i not supposed to tell. I dont mind telling them but if its not required (and they think its a claim on my car insurance) then im just giving wrong information if i need to make a claim the company could just refuse to pay out due to mis-information....

Does anyone know for definite?

Thx for the replys though
#5
shauneco
I wouldn't bother telling them about the Van claim as it was on another policy.


If you included another driver, that would be from another policy and you must declare their history as well, so I think you are wrong about that.
Remember, insurance companies have access to a database with all your details on, so will know about the van regardless. If you don't tell them, they can refuse any claims you make.
#6
I have worked for an insurance comapny and it is necessary to declare all claims you have made, you are also supposed to declare any incidents which may have resulted in a claim even if you did not actually claim.
As has been pointed out already companies share data and should you make a claim on your new policy they will automatically check the database, if they find out you were not fully truthful when you took out the policy they will void your policy.
#7
Thx kidcat, so i should basically declare both the car insurance claim and van insurance claim. BTW on the website i am unable to specifiy that the van insurance claim is a VAN INSURANCE CLAIM. Is this ok?
#8
It wont matter what type of claim it was, its merely an indicator that you have been involved in two claims with the five year period, and therefore a higher risk. Once you have taken your car insurance out online, you can always check the docs to see if they want any further specifics, they dont usually though. Dont forget Quidco or one of the other cashback places, they pay loads for car insurance purchases.
#9
Hey I mate, have you tried calling NFU mutual for the car insurance. They gave me a good deal, and the best thing is that you speak to a human. Tell him/her your case, and they are quite understanding. I told them I had a similar case, and he said that shouldnt be a problem. Its upto the individual, but its better if you tell them. At NFU it wasnt a case of "the system says I cant", they use their comman sense!! Or atleeast so far, I dont know about the future!!

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