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Sharing insurance info UK and Ireland

  • 27-12-2015 11:32am
    #1
    monkey8
    Registered Users, Registered Users 2 Posts: 386 ✭✭


    Anyone know if the UK and Ireland car insurance companies share info.
    My insurance premium is high due to an accident I had a few years ago in ireland.
    The pay out from the accident was €15000 and shoots up my premium.
    I obviously can't change my no claims bonus info but if I didn't tell UK insurance company about the accident in Ireland would they have any way of finding out?


Comments

  • #2
    ironclaw
    Registered Users, Registered Users 2 Posts: 8,004 ✭✭✭ironclaw


    monkey8 wrote: »
    Anyone know if the UK and Ireland car insurance companies share info.
    My insurance premium is high due to an accident I had a few years ago in ireland.
    The pay out from the accident was €15000 and shoots up my premium.
    I obviously can't change my no claims bonus info but if I didn't tell UK insurance company about the accident in Ireland would they have any way of finding out?

    Its non-disclosure, which is a big no no in the insurance game. It voids your policy. UK insurance is much cheaper than Ireland so you'd be mad to not declare it. And yes, if you had an accident, they could look back into your history and contact previous insurers.

    Forgive the bluntness, but it would be a very, very stupid thing to not declare if asked.


  • #3
    Grab All Association
    Registered Users, Registered Users 2 Posts: 3,926 ✭✭✭Grab All Association


    Don't tell them. It happened in a different country to which they have no access to your motoring history here. Start afresh there.


  • #4
    ironclaw
    Registered Users, Registered Users 2 Posts: 8,004 ✭✭✭ironclaw


    Grab All Association wrote: »
    Don't tell them. It happened in a different country to which they have no access to your motoring history here. Start afresh there.

    Can I ask what a different country has to do with it? Speaking in generalities and not at the OP, I wouldn't want to be hit by someone who didn't declare a previous incident as it could cast serious questions over their abilities and the cause of the accident e.g. Drink Driving, Dangerous Driving etc.

    Once again, its non-disclosure and against every single insurance policy under the sun.


  • #5
    pablo128
    Closed Accounts Posts: 6,219 ✭✭✭pablo128


    ironclaw wrote: »
    Can I ask what a different country has to do with it? Speaking in generalities and not at the OP, I wouldn't want to be hit by someone who didn't declare a previous incident as it could cast serious questions over their abilities and the cause of the accident e.g. Drink Driving, Dangerous Driving etc.

    Once again, its non-disclosure and against every single insurance policy under the sun.

    UK ins companies routinely refuse to acknowledge Irish ncb's. They can't have it both ways.


  • #6
    ironclaw
    Registered Users, Registered Users 2 Posts: 8,004 ✭✭✭ironclaw


    pablo128 wrote: »
    UK ins companies routinely refuse to acknowledge Irish ncb's. They can't have it both ways.

    That's not even remotely comparable and why should they accept them? Chalk and cheese in terms of driver education, risk and liability for the market. It's not a like for like comparison. Anyway, UK insurance is significantly cheaper compared to Ireland, so NCB or not, you're likely going to be paying less.

    But again, your failing to answer why someone who has been in an accident and found at fault should not disclose it? It drastically changes the risk and calculations, which by the way we all pay into the pool for. Should someone not disclose if they are disqualified in Irealnd? Sure its the UK, its a different country :rolleyes:


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