Declaring German Driving Incidents to UK Insurer?

[Shedding]

While driving in Germany in a German registered car on which they were a named driver, a friend (British citizen, UK driving licence) had an at-fault accident which resulted in a one month driving ban in Germany. She also picked up a speeding fine in a separate incident, in Germany in the same car.

Now back in the UK and wanting to renew their UK car insurance, what information is shared across UK and Germany? What has to be declared?

Thanks for any help.

[GasEngineer]

Shedding said:

While driving in Germany in a German registered car on which they were a named driver, a friend (British citizen, UK driving licence) had an at-fault accident which resulted in a one month driving ban in Germany. She also picked up a speeding fine in a separate incident, in Germany in the same car.

Now back in the UK and wanting to renew their UK car insurance, what information is shared across UK and Germany? What has to be declared?

Thanks for any help.

The questions on the proposal forms I have seen never say "in the UK only" when asking about incidents / claims / accidents etc..

[cliffords]

If your friend tells lies , has an accident in UK and it gets investigated, they could end up uninsured and guilty of insurance fraud .

[worsy]

Shedding said:

While driving in Germany in a German registered car on which they were a named driver, a friend (British citizen, UK driving licence) had an at-fault accident which resulted in a one month driving ban in Germany. She also picked up a speeding fine in a separate incident, in Germany in the same car.

Now back in the UK and wanting to renew their UK car insurance, what information is shared across UK and Germany? What has to be declared?

Thanks for any help.

Many insurers will be part of global firms with a euro presence. They are likely to be able to share that information lawfully.

If "your friend" were to have an accident in the UK, they might find the insurer refuses to pay out.

Do you feel lucky?

[blue_haddock]

The question that is usually asked is "any accidents, claims or convictions in the last 5 years"

It doesnt state just in uk so yes they should be declared even if abroad.

[deckster]

The answer to this and similar questions is always the same - always tell the insurance company anything and everything that might possibly be relevant, and let them work out if they care or not.

[Shedding]

Thanks for the replies. I expected the accident would have to be declared, I wasn't sure about the German penalties such as the speeding fine.

[NikBartlett]

Is the data from the German incident on the CUE database ? If not then how will an insurance company know about it ? Obviously at your own considerable risk if not disclosed.

[NFT]

I can't decide if she sounds like a liability or plain unlucky.

Can we check CUE with ease as joe or jane public btw??

[sherbertdip]

NFT said:

I can't decide if she sounds like a liability or plain unlucky.

I think we all know she's a liability, it's a shame she's back in the UK.

[Ninja59]

NFT said:

I can't decide if she sounds like a liability or plain unlucky.

Can we check CUE with ease as joe or jane public btw??

DSAR the MIB across all databases (including CUE), although some information will be redacted.

https://www.mib.org.uk/managing-insurance-data/req...

[kiethton]

Don't need to declare the German ban but you do likely have to declare the accident (unless it specifies U.K.)

[untakenname]

Think the only place in Germany where you don't need to declare an accident would be the Nürburgring as that's specifically excluded from most UK insurers cover.

[Shedding]

Here is a similar thread running regarding speeding fines in France: https://www.pistonheads.com/gassing/topic.asp?h=0&...

Even though their UK driving licence doesn't record any of the offences, should these all be notified to theie UK insurers?

[Shedding]

NFT said:

I can't decide if she sounds like a liability or plain unlucky.

Can we check CUE with ease as joe or jane public btw??

A bit of both really. She was there several months, relatively inexperienced with foreign roads.

Thanks for the mention of CUE, I hadn't heard of it before.

[Bweber]

If she does not declare it and has an accident in the UK that is sufficiently serious or costly to warrant an active investigation, the insurer will definitely find out. In that scenario, she is potentially uninsured, possibly facing financial ruin, and possibly facing prosecution, unemployment and so on.

[pork911]

She should ask them if it's relevant.

[Dog Star]

Shedding said:

Here is a similar thread running regarding speeding fines in France: https://www.pistonheads.com/gassing/topic.asp?h=0&...

Even though their UK driving licence doesn't record any of the offences, should these all be notified to theie UK insurers?

Why would they? Have you any points on your licence? No.

[Shedding]

Dog Star said:

Shedding said:

Here is a similar thread running regarding speeding fines in France: https://www.pistonheads.com/gassing/topic.asp?h=0&...

Even though their UK driving licence doesn't record any of the offences, should these all be notified to theie UK insurers?

Why would they? Have you any points on your licence? No.

Well, yes, that's my question but there's folk further up saying that all driving offences must be declared, UK and other.