Do you have to declare a claim on a different policy when getting a quote on another policy? (car insurance)

9 replies
Found 20th Sep 2009
I have 2 cars. they are insured with different companies, renewed at different times of the year.
I made a claim on one policy for one of the cars back in January this year. The second policy is now up for renewal (on the other car)

Do I need to declare the claim on the different policy when I am asked about claims in any quote for the other car? Obviously I would have to declare it on any quote for the car that i claimed for, but do i have to for the other.

i repeat, they are different policies, and with different people.
If I ask the insurance companies, I am not going to get an honest answer. Just wondered if anyone was in the know on here.

9 Comments

Banned

If I ask the insurance companies, I am not going to get an honest answer



why would you think that?

Yes you do, they will ask have you had any accidents, claims or convictions in the past 5 years, if the answer is yes, then thats what you tell them.
No point lying either cos they will almost certainly find out if you have to claim.

Yes if you want to actually be insured,

Original Poster

colinsunderland;6346772

why would you think that?Yes you do, they will ask have you had any … why would you think that?Yes you do, they will ask have you had any accidents, claims or convictions in the past 5 years, if the answer is yes, then thats what you tell them.No point lying either cos they will almost certainly find out if you have to claim.



I've worked in Insurance :whistling: Albeit Classic Car insurance though

Why do you think I'm asking? I want to be honest. I am unsure as to why a claim on one policy would affect the other though, thats what I am struggling to get to grips with

Banned

bassman_uk;6346794

I've worked in Insurance :whistling: Albeit Classic Car insurance … I've worked in Insurance :whistling: Albeit Classic Car insurance thoughWhy do you think I'm asking? I want to be honest. I am unsure as to why a claim on one policy would affect the other though, thats what I am struggling to get to grips with



Because claims mean you are more of a risk to them therefore they charge more.
If you were the driver who made the claim on the other policy I'm struggling to understand why you would think it wouldn't make a difference to them :?

Ever since you made the claim and didnt tell the other insurance company you havent been insured,Any claims you make regardless of who with have to be declared ,

bassman_uk;6346794

I've worked in Insurance :whistling: Albeit Classic Car insurance … I've worked in Insurance :whistling: Albeit Classic Car insurance thoughWhy do you think I'm asking? I want to be honest. I am unsure as to why a claim on one policy would affect the other though, thats what I am struggling to get to grips with



I assume you have separate NCB for each policy, in which case only one of your NCBs will be decreased I believe, but you still do need to declare the accident. Your argument is not valid as risk per driver, not per policy.

are you down as the main policy holder on both policies?

yep, but not the other way round!!!! (you cannot use your 'no claims' bonbus on more than one policy) the insurance companies have their cake and eat it

do I need to declare canceled home insurance due to refused claim if i want to set car insurance for a first time
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