Motor Insurance Question

richierichballs

I recently passed my driving test,
I've been a named driver on my dads policy for 4 years now.
(It's up end of this month.)

I'm looking to start my own policy and have received a few quotes.

One thing I am not sure on though is when they ask "Have you been in any accidents or made claims before?"
Here is where I'm stuck.

I wrote my fathers car off a few years ago my first year driving.
Again, I was only a named driver and It was his policy.
He lost his no claims bonus and his insurance went up....

Being the fact he got punished and lost his no claims bonus does that carry on to me? Because I was the reason for the accident? The claim was in his name btw. Doesn't make sense both of us getting punished for it.

What should I do? I'm getting mixed feedback and I can't exactly ask the insurance companies.
Obviously I'm a much better driver now 3 years on and I'm not going to crash again (fingers crossed), I'm just worried if it did happen and I said nothing about the previous accident could they dig that up and use it as away out of me not receiving a claim etc etc...

All help greatly appreciated, thank you.

-Corkie-

You will have to tell them about it. Its usually accidents within the last 3 years.

Housedevil

Richierichballs - Hellloo - you are the reason why premiums are so high for young guys. Writing your dads car off on your first year provisional and you still have use of your faculties - wow you have a great dad. Now grow a set and fess up to the Insurance companies - Daddy won't dig you out of the next one.

oldyouth

The answer you are looking for, is that you have to tell them. How they deal with the information will vary.

Not being smart, but if you are having trouble with a question like 'have you had any accidents...... etc', when you wrote off a car, perhaps you should get assistance with all the other questions on the application

TylerIE

richierichballs wrote: »

I recently passed my driving test,
I've been a named driver on my dads policy for 4 years now.
(It's up end of this month.)

I'm looking to start my own policy and have received a few quotes.

One thing I am not sure on though is when they ask "Have you been in any accidents or made claims before?"
Here is where I'm stuck.

I wrote my fathers car off a few years ago my first year driving.
Again, I was only a named driver and It was his policy.
He lost his no claims bonus and his insurance went up....

Being the fact he got punished and lost his no claims bonus does that carry on to me? Because I was the reason for the accident? The claim was in his name btw. Doesn't make sense both of us getting punished for it.

What should I do? I'm getting mixed feedback and I can't exactly ask the insurance companies.
Obviously I'm a much better driver now 3 years on and I'm not going to crash again (fingers crossed), I'm just worried if it did happen and I said nothing about the previous accident could they dig that up and use it as away out of me not receiving a claim etc etc...

All help greatly appreciated, thank you.

You say you have four years no claims, and the accident happened when you started driving - most insurers ask if you have any accidents or claims IN THE LAST THREE YEARS regardless of blame. You may be on the threshold of none in the last three years.
Some brokers ask "in the last five years".

As a young male you are probably going to be going to a certain Insurance company with a large base in the North East, Border and Blanch so IIRC they ask the three year question. HibernianAviva also say three years. .

If your accident was within the last three years there is a chance you may get away with it. However should you have any sort of accident your cover may be invalid, and it could see your insurer recovering anything they pay out back off you as you failed to disclose everything.

One of the large insurance companies uses Claims Handlers, many of whom are Retired Security / Police / Gardai, who will investigate fully any claim in order to minimise payment. It will be easy for them to look at where your no claims experience years came from, then to check with that insurer what the history on that policy was, and who was driving at the time of the claim.

Id suggest be honest or wait.

richierichballs

-Corkie- wrote: »

You will have to tell them about it. Its usually accidents within the last 3 years.

Yeah some insurance companies asked "Within three, others did not."

Housedevil wrote: »

Richierichballs - Hellloo - you are the reason why premiums are so high for young guys. Writing your dads car off on your first year provisional and you still have use of your faculties - wow you have a great dad. Now grow a set and fess up to the Insurance companies - Daddy won't dig you out of the next one.

Yes, I do have a great dad. But "Daddy," has had his insurance paid for him every year since the accident by me. Also, recieved newer model of the car ridden off by me, from me.

Thanks for you're input.

oldyouth wrote: »

The answer you are looking for, is that you have to tell them. How they deal with the information will vary.

Sweet.

Thanks to everyone help, Question answered.

Bruthal

Did your father claim he wrote the car off? If so, then no need for you to mention it.

-Chris-

I'm closing this thread.

The proper answer is, you have to answer any question they ask fully and honestly. It's called utmost good faith.
If you lie, then you're getting insurance through fraudulent methods and risk having your policy nullified.

The reason I'm closing the thread is because anyone who suggests "you'll be grand", "you didn't have an accident if your dad took the blame for it" or anything else is advocating that fraud, which is against the Charter.

Housedevil wrote: »

Richierichballs - Hellloo - you are the reason why premiums are so high for young guys. Writing your dads car off on your first year provisional and you still have use of your faculties - wow you have a great dad. Now grow a set and fess up to the Insurance companies - Daddy won't dig you out of the next one.

I'm sure you could have made this point without sounding like a condescending arse. Please try and post in a more constructive manner in future.
Great lecture though... :rolleyes: