Do I really need to tell my insurer?
Accidents happen. But do you need to spill everything to your insurer or is it okay to keep your lips sealed?
There are hundreds of myths about what you should tell your insurer and when. This is doubly true when it comes to non-fault incidents. But what’s myth and what’s fact?
Do I need to notify my insurer about small bumps and accidents?
Yes – if you’ve been in an accident or incident, you must tell your insurer. This is the case even if there is no third party involved, e.g. you reverse into your garage. You should call your insurer as soon as possible to report the incident. We ask that our customers wait no longer than 48 hours to report any incidents.
Do I need to tell my insurer even if I don’t want to make a claim?
If you have been involved in a bump or car accident, you don’t have to make a claim. However, you do have to notify your insurer. Insurers need to know everything that happens with your car, and many insurers will have a clause stating that you must notify them of any incidents. It’s especially important that they have all the information they need in case a third party makes a claim against you.
Do non-fault accidents and claims need to be declared?
Yes. Most insurance providers will ask you to declare any accidents or incidents involving you or your car in the last five years, regardless of fault or whether a claim was made. If you don’t declare an incident and your insurer finds out about it later, your policy could be made invalid. This means that if you need to make a claim, they may not pay out, and you’ll be out of pocket.
Do I need to declare accidents I had while driving someone else’s car?
Yes. You must declare any incidents that happened while you were driving. If you were driving, e.g. as a named driver, you must declare it on your quote when asked about any accidents or incidents.
Do I have to declare accidents I had on a driving lesson?
Yes – although you are a learner driver you are responsible for accidents while you are driving. Even if you had a non-fault accident as a learner, you must declare it to your insurer while asked.
Do non-fault claims affect my insurance premium?
It might sound unfair, but yes, in many cases your premium will increase following a non-fault claim. Insurers have decades of statistics that show that people who have been involved in any sort of incident, are more likely to have an accident later.
Remember that honesty is the best policy when it comes to insurance! Make sure you read the terms of your policy carefully and answer any questions in your quote truthfully. For more information, make sure you read our handy guide on what to do if you’re involved in an accident.