Insurance claims history??
Discussion
A number of years ago i was involved in a small bump with another vehicle. Now for the life of me i can't recall the date of when it was. So is there a site that i can go on to gain access to details of my insurance claims history so that when i renew my insurance i can give them the details or not as the case may be over so many years ago.
I struggle to remember what i did a month ago let alone 4 or 5 years ago.
I struggle to remember what i did a month ago let alone 4 or 5 years ago.
I
http://www.insurancedatabases.co.uk
Fill this form in and send them your £10
http://www.insurancedatabases.co.uk/media/2893/dat...
What did you tell them last year? You're only really remembering form one year ago. Also if you used one of the comparison websites then your information will probably still be stored in their systems if you log into your account. That shouldn't be a problem with having only posted 1.5 times a month on here on agarage of the 11 years you've been a member, but still remembering your password.
doogalman said:
A number of years ago i was involved in a small bump with another vehicle. Now for the life of me i can't recall the date of when it was. So is there a site that i can go on to gain access to details of my insurance claims history so that when i renew my insurance i can give them the details or not as the case may be over so many years ago.
I struggle to remember what i did a month ago let alone 4 or 5 years ago.
Yes hereI struggle to remember what i did a month ago let alone 4 or 5 years ago.
http://www.insurancedatabases.co.uk
Fill this form in and send them your £10
http://www.insurancedatabases.co.uk/media/2893/dat...
What did you tell them last year? You're only really remembering form one year ago. Also if you used one of the comparison websites then your information will probably still be stored in their systems if you log into your account. That shouldn't be a problem with having only posted 1.5 times a month on here on agarage of the 11 years you've been a member, but still remembering your password.
Edited by LoonR1 on Sunday 15th March 23:18
Jon1967x said:
If it was declared it will be on your insurance paperwork and on your renewal quote.
I assume you've either never declared it but want to start doing the right thing, or not had insurance in your name for a few years.
he also needs to make sure he gets the dates correct.I assume you've either never declared it but want to start doing the right thing, or not had insurance in your name for a few years.
i was sorting out the insurance for my wifes car, and put in about an accident we had (someone hit us in the back, so non fault). I put in the wrong month for the accident (3 years before) and the insurance company who's website it was obviously had the link to the dbase that has all accidents on, and tried to add a 2nd accident (even though the details were exactly the same).
i even called them and they wanted proof we'd only been in 1 accident. how the hell do you prove that? well you finally get through to someone who actually looks at the details of the accident you put in and the records they have a notice that other than the date they are exactly the same. took us a week to speak to that person.
it would have cost us an extra 400 quid and we were threatened with the police for fraud. thankfully sorted by a lovely young welsh lady
jesta1865 said:
he also needs to make sure he gets the dates correct.
i was sorting out the insurance for my wifes car, and put in about an accident we had (someone hit us in the back, so non fault). I put in the wrong month for the accident (3 years before) and the insurance company who's website it was obviously had the link to the dbase that has all accidents on, and tried to add a 2nd accident (even though the details were exactly the same).
i even called them and they wanted proof we'd only been in 1 accident. how the hell do you prove that? well you finally get through to someone who actually looks at the details of the accident you put in and the records they have a notice that other than the date they are exactly the same. took us a week to speak to that person.
it would have cost us an extra 400 quid and we were threatened with the police for fraud. thankfully sorted by a lovely young welsh lady
I'm not going to swear, but that's a cool story. Threatened with the police? over an innocent mistake like that? I doubt that very much. i was sorting out the insurance for my wifes car, and put in about an accident we had (someone hit us in the back, so non fault). I put in the wrong month for the accident (3 years before) and the insurance company who's website it was obviously had the link to the dbase that has all accidents on, and tried to add a 2nd accident (even though the details were exactly the same).
i even called them and they wanted proof we'd only been in 1 accident. how the hell do you prove that? well you finally get through to someone who actually looks at the details of the accident you put in and the records they have a notice that other than the date they are exactly the same. took us a week to speak to that person.
it would have cost us an extra 400 quid and we were threatened with the police for fraud. thankfully sorted by a lovely young welsh lady
LoonR1 said:
jesta1865 said:
he also needs to make sure he gets the dates correct.
i was sorting out the insurance for my wifes car, and put in about an accident we had (someone hit us in the back, so non fault). I put in the wrong month for the accident (3 years before) and the insurance company who's website it was obviously had the link to the dbase that has all accidents on, and tried to add a 2nd accident (even though the details were exactly the same).
i even called them and they wanted proof we'd only been in 1 accident. how the hell do you prove that? well you finally get through to someone who actually looks at the details of the accident you put in and the records they have a notice that other than the date they are exactly the same. took us a week to speak to that person.
it would have cost us an extra 400 quid and we were threatened with the police for fraud. thankfully sorted by a lovely young welsh lady
I'm not going to swear, but that's a cool story. Threatened with the police? over an innocent mistake like that? I doubt that very much. i was sorting out the insurance for my wifes car, and put in about an accident we had (someone hit us in the back, so non fault). I put in the wrong month for the accident (3 years before) and the insurance company who's website it was obviously had the link to the dbase that has all accidents on, and tried to add a 2nd accident (even though the details were exactly the same).
i even called them and they wanted proof we'd only been in 1 accident. how the hell do you prove that? well you finally get through to someone who actually looks at the details of the accident you put in and the records they have a notice that other than the date they are exactly the same. took us a week to speak to that person.
it would have cost us an extra 400 quid and we were threatened with the police for fraud. thankfully sorted by a lovely young welsh lady
The accident was in a vehicle i no longer have, it was insured. I was on the opposite side of the road reversing to a driveway when a woman came around the bend and hit me up the rear, so she was on the wrong side of the road and driving too quickly but it was deemed my fault as i was reversing.
Have since moved house and then moved again and as the vehicle was sold on about 3 years ago. the time span of events has dimmed slightly.
Just trying to clarify if i can do away with having to declare it or not, when i need to reinsure other vehilcles. 2 cars and 4 motorbikes.
I just wish that as all the insurance companies have the data on our histories that the onus wasn't so much on us to try and remember every little minute detail from the past. If they have all the data why don't they know about us when we need a quote?
Or am i missing something.
Have since moved house and then moved again and as the vehicle was sold on about 3 years ago. the time span of events has dimmed slightly.
Just trying to clarify if i can do away with having to declare it or not, when i need to reinsure other vehilcles. 2 cars and 4 motorbikes.
I just wish that as all the insurance companies have the data on our histories that the onus wasn't so much on us to try and remember every little minute detail from the past. If they have all the data why don't they know about us when we need a quote?
Or am i missing something.
You have to declare up to the time limit they ask. 3 years you might be on the edge on requiring to, others might say 5 years.
I know others have said its really really really important, but I think a reasonable test would allow you to be out a little on the exact time. And you do need to declare it on all of them.
There must have been a gap in insurance though for you to not know but I guess that may be the case.
I know others have said its really really really important, but I think a reasonable test would allow you to be out a little on the exact time. And you do need to declare it on all of them.
There must have been a gap in insurance though for you to not know but I guess that may be the case.
If you're sure that it was longer than three years ago you could always try to find an insurer that only wants three years worth of accident history, e.g. Admiral.
What if the insurers did automatically keep all the details of every incident and relied on that information for the policies, one data entry error and you're stuffed. The way it is now isn't perfect, but the responsibility really needs to stay with the individual not the companies IMO.
What if the insurers did automatically keep all the details of every incident and relied on that information for the policies, one data entry error and you're stuffed. The way it is now isn't perfect, but the responsibility really needs to stay with the individual not the companies IMO.
Jon1967x said:
You have to declare up to the time limit they ask. 3 years you might be on the edge on requiring to, others might say 5 years.
I know others have said its really really really important, but I think a reasonable test would allow you to be out a little on the exact time. And you do need to declare it on all of them.
There must have been a gap in insurance though for you to not know but I guess that may be the case.
I only asked initially as i insured a few years ago on a car and gave them details i thought were correct . Paid, then a week or so later they stung me for more as i gave them incorrect info. May speak to one of my insurers and have a notepad handy to put the details down in black and white rather than trusting my faded memory LOLI know others have said its really really really important, but I think a reasonable test would allow you to be out a little on the exact time. And you do need to declare it on all of them.
There must have been a gap in insurance though for you to not know but I guess that may be the case.
Stupid bump must be about 4 or 5 years ago by now.
doogalman said:
The accident was in a vehicle i no longer have, it was insured. I was on the opposite side of the road reversing to a driveway when a woman came around the bend and hit me up the rear, so she was on the wrong side of the road and driving too quickly but it was deemed my fault as i was reversing.
Have since moved house and then moved again and as the vehicle was sold on about 3 years ago. the time span of events has dimmed slightly.
Just trying to clarify if i can do away with having to declare it or not, when i need to reinsure other vehilcles. 2 cars and 4 motorbikes.
I just wish that as all the insurance companies have the data on our histories that the onus wasn't so much on us to try and remember every little minute detail from the past. If they have all the data why don't they know about us when we need a quote?
Or am i missing something.
Youre not making this clear and you're throwing in more stuff, just like a fiction writer would. Have since moved house and then moved again and as the vehicle was sold on about 3 years ago. the time span of events has dimmed slightly.
Just trying to clarify if i can do away with having to declare it or not, when i need to reinsure other vehilcles. 2 cars and 4 motorbikes.
I just wish that as all the insurance companies have the data on our histories that the onus wasn't so much on us to try and remember every little minute detail from the past. If they have all the data why don't they know about us when we need a quote?
Or am i missing something.
What did you declare last year? You don't have to remember years ago, you have to remember last year when you declared it As the dates and times won't have changed.
You can get the data from CUE if you want as I've already shown you. Of course, you've conveniently chosen to ignore that. Insurers can not simply access that data, as it's part of the data that gets protected for you under DPA. Choose to take out a policy and an insurer can then access it, as you've given them permission to do so.
Nice little curve ball in there about the claim being fault and you disagreeing with it too. Almost like you're fishing for a reaction.
doogalman said:
I only asked initially as i insured a few years ago on a car and gave them details i thought were correct . Paid, then a week or so later they stung me for more as i gave them incorrect info. May speak to one of my insurers and have a notepad handy to put the details down in black and white rather than trusting my faded memory LOL
Stupid bump must be about 4 or 5 years ago by now.
wasnt't after anything other than wondering if there was a way of accessing data. When i automatically renew insurance each year they do not ask me about the past as they obviously have that data. All they ask for is if i have had any changes since the last renewal.Stupid bump must be about 4 or 5 years ago by now.
With referance to your link, i am working out of the country at the moment so i will not be popping a cheque in the post untill at least i am in the uk as i do not carry a cheque book anymore. However as i have a bike policy renewing next week i will be asking them for details.
Thanks for your input though.
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