Had a slight bump driving a company van as an authorised driver last year.
Our company has about 100+ people who are authorised to drive company
Do I need to declare this in the event of taking out insurance?
More importantly will this information be held on a database as a claim
grateful of any clarification!
Yes, definately declare it. We've had to do a publicity campaign at work to
make sure our bus drivers declare any accidents on their own personal
policies. Not sure if it was brought on by an insurance company refusing to
payout, or we're just covering ourselves in case it did happened though.
Several years ago I crashed my Dad's car. When I was getting my next
renewal quote the "any accidents/claims/convictions" question came up, and I
mentioned that I'd had an accident, that was my fault and claimed on, but it
was in someone else's car, on their insurance, and it didn't affect my own
NCB. The guy at the insurance broker's words were "you don't need to tell
us about that". I felt that I'd done my bit, knowing that I'd told the
truth, and that if anything was to come of it, the call should have been
recorded and I'd be able to prove that I had told the full truth.
From that I would guess that a search on an individual only brings up claims
on policies held by that individual, so brokers reckon they can get away
with it, in order to get their customers cheaper premiums. Obviously if
someone was to investigate more thoroughly, I'm sure they could find out
about claims on other policies, so it's probably just the case of brokers
chancing it that this won't happen.
"For want of the price of tea and a slice, the old man died."
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