Insurance question with a difference

koutoubia

So the annual shopathon for insurance has started and one company is coming in a lot cheaper then everyone else.
However a few years ago I was involved in an RTA which I was seriously injured. I was not liable and the other party admitted Liability in full.
Costs were paid to me without hassle from the insurance company which is now providing me with the cheapest quote.
I have not divulged the accident in the online quote system.
Should I just walk away from them and take the next quote?







As an aside before the the high horse brigade come stomping in about payouts.....
One second in the difference in timing and I would have been another 'fatality' statistic. The driver who witnessed the full accident thought I was dead as I ended up under his van.I have now and till I die an issue with a joint as a result from this.

thebiglad

If its a non-fault accident in which you were fully reimbursed I wouldn't bother to mention it - doesn't count against your driving record.

BeatBoxing Blowfish

Depends on the question wording and the time period.
If the question asked is "have you ever been in an accident" then you must say yes or your policy could be cancelled.

If you are asked if you "have made any claims in the past 3/5 years" then you can answer no

thebiglad

I would argue whether the non-disclosure of a non-fault accident is a material fact.

It is unlikely that the insurer will take any rating action based on the response.

I know for a fact that in the UK the Comparison websites want this information (non-fault claims involvement) as they sell them as leads to accident management companies who will then contact you to ensure someone has paid for the claim

Questionable therefore what use the underwriters have for this data.

9935452

BeatBoxing Blowfish wrote: »

Depends on the question wording and the time period.
If the question asked is "have you ever been in an accident" then you must say yes or your policy could be cancelled.

If you are asked if you "have made any claims in the past 3/5 years" then you can answer no

Id be letting them know as failure to disclose could mean you have no insurance.
And any claims in the last 5 years could mean claims against another company as well

I was rearended in december. when i went get quotes in june , some websites had a section for accidents/ claims in the last 5 years , they allowed you to enter details, which showed i was not at fault .
Having a not at fault accident made my insurance dearer than not having an accident at all. First ireland is one of these websites

Special Circumstances

9935452 wrote: »

Having a not at fault accident made my insurance dearer than not having an accident at all. First ireland is one of these websites

So it "wasn't your fault but it kinda was like". I'd love to hear the "logic" behind that!

koutoubia

Thanks so far for the replies. I knew it wouldn't be a simple answer. Maybe just to add clarity or confusion - I wasn't in a car at the time of the accident so there was no need to involve my own insurance company.
I am starting to feel that I should not use this company and use a broker and let them make the call.

jimgoose

Special Circumstances wrote: »

So it "wasn't your fault but it kinda was like". I'd love to hear the "logic" behind that!

Simple. You're obviously that sort of rare-lookin' hardy-buck Christian that annoys people and causes them to crash into you!

9935452

Special Circumstances wrote: »

So it "wasn't your fault but it kinda was like". I'd love to hear the "logic" behind that!

i assume claim culture , they assume since i have claimed once ill be more likely to want to make another and maybe go looking for an accident.

Stheno

koutoubia wrote: »

Thanks so far for the replies. I knew it wouldn't be a simple answer. Maybe just to add clarity or confusion - I wasn't in a car at the time of the accident so there was no need to involve my own insurance company.
I am starting to feel that I should not use this company and use a broker and let them make the call.

Surely as you weren't even driving it's not relevant?

To Elland Back

koutoubia wrote: »

- I wasn't in a car at the time of the accident so there was no need to involve my own insurance company. .

Were you a pedestrian? That's totally different to being in an accident which needs to be declared to insurers

Stheno

To Elland Back wrote: »

Were you a pedestrian? That's totally different to being in an accident which needs to be declared to insurers

That's what I was thinking

jimgoose

koutoubia wrote: »

Thanks so far for the replies. I knew it wouldn't be a simple answer. Maybe just to add clarity or confusion - I wasn't in a car at the time of the accident so there was no need to involve my own insurance company....

There's a perfectly simple answer. Since you were presumably a pedestrian in this incident it has nothing whatsoever to do with your car insurance.

Special Circumstances

Never mind, op was changed.

koutoubia

To Elland Back wrote:

Were you a pedestrian? That's totally different to being in an accident which needs to be declared to insurers

Yep . A pedestrian.

thebiglad

koutoubia wrote: »

Yep . A pedestrian.

Then absolutely, undoubtedly no need to declare this when applying for motor insurance.

Would be different with Health Insurance.

Don't worry about it, report no accidents when asked and take up the policy of your choice.

sunnysoutheast

thebiglad wrote: »

I would argue whether the non-disclosure of a non-fault accident is a material fact.

It is unlikely that the insurer will take any rating action based on the response.

I believe that the insurance companies would take the view that it is, but it doesn't appear to be in any way consistent.

It isn't helped by the online quote websites sometimes having an option for "at fault y/n", sometimes having a note to enter 0 if non-fault, sometimes not allowing 0, it drove me mad last year.

What I do is, when I get the printed statement of fact, send a letter to the insurance company listing all accidents (and other material facts) so that there can be no argument later. Often I find non-fault accidents don't appear on the SoF despite having discussed it with the agent.