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Insurance claims history

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  • 20-06-2014 11:31am
    #1
    galwayredgirl
    Closed Accounts Posts: 192 ✭✭


    Just wondering, after how many years, if at all, do insurance companies stop taking past claims into account?

    I rear ended someone 15 years ago and have not had an accident since - It was a really minor tip when this "lady" stopped suddenly and then of course developed a very sore neck.

    Just wondering, are claims made against you for life or does there come a time when your record is clear? Would a claim made against you 15 years ago still be relevant if you have been driving insured and claims free since?

    Any advice would be great thanks.

    Thanks.


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    #2
    oldyouth
    Closed Accounts Posts: 4,754 ✭✭✭oldyouth


    Some are claims in the last 5 years, some are 3yrs, so I think you are fine. The proposal form will tell you. However, if a conviction came with the accident, many insurers do not put a limit on when you must disclose it to them.

    You'll be grand


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    #3
    galwayredgirl
    Closed Accounts Posts: 192 ✭✭galwayredgirl


    oldyouth wrote: »
    Some are claims in the last 5 years, some are 3yrs, so I think you are fine. The proposal form will tell you. However, if a conviction came with the accident, many insurers do not put a limit on when you must disclose it to them.

    You'll be grand

    Thanks - No conviction - very minor tip blown completely out of proportion by the other party. The Gardaí didn't even bother coming out, it was so minor.


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