Insurance question

[E63M6]

Recently a car on our traders insurance was Twoc'd and was involved in a collision with another car. A claim was made on our insurance by the other party even though the driver of our car was not covered. So I am now looking to get my own policy out, I was a named driver on the traders so do i have to tell future insurers about this claim? Or is it only the policyholder who has to disclose this?


Thanks

[TwigtheWonderkid]

If I understand you correctly, basically, you are a named driver (A) on someone else's policy (B) and B has had a claim on that policy because (C) had an accident. So no, you have nothing to disclose.

In the same way as I'm a named driver on my brother's policy and his wife, who is also on the policy, had a claim on it.

[Ganglandboss]

The insurer should ask clear questions; if the question was 'Have you had any motoring accidents, claims or convictions in the last five years?', and assuming you are not the policyholder of the trader's policy in question, you could answer honestly, 'no'.

You do not have to volunteer information if the insurer does not ask specific questions - this is enshrined in statute by the Consumer Insurance Act.

[ging84]

This thread has more too it written all over it.
But you would not normally have to declare claims made against your employer's policy if it did not involve you, otherwise working for a large company would mean you'd need to declare hundreds of claims

[LoonR1]

E63M6 said:

Recently a car on our traders insurance was Twoc'd and was involved in a collision with another car. A claim was made on our insurance by the other party even though the driver of our car was not covered. So I am now looking to get my own policy out, I was a named driver on the traders so do i have to tell future insurers about this claim? Or is it only the policyholder who has to disclose this?


Thanks

Hard to say as you're not clear about who is actually the policyholder. Is it your business?

[LoonR1]

Just found this from a few months back. What a coincidence!

http://www.pistonheads.com/gassing/topic.asp?h=0&a...

[Mound Dawg]

Pawned.

[nonsense]

where's the popcorn smilie? This just got interesting...

[LoonR1]

He won't be back.

[E63M6]

I'm back... I appreciate that this does look kinda bad, but at the time the case was still under police investigation and the insurance claim was being processed. So i was economical with the truth just purely i did not want to hinder anything.


Edited: wrote uneconomical instead of economical.

Edited by E63M6 on Thursday 7th August 12:30