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How long to disclose a claim?

  • 21-11-2017 02:07PM
    #1
    dowling06
    Registered Users, Registered Users 2 Posts: 72 ✭✭


    Hi all,

    I'm approaching my renewal on my car insurance and I just want to know how long do you have to disclose a settled claim with the insurance company? I had a crash over four years ago and they both claimed whiplash. the payout was 22k and I have been burdened with high insurance since. I'm just wondering how long do I have to disclose the claim because some companies state either 3/4 years on their website or do I still have to disclose my accident with them?

    Thanks in advance :)
    Tagged:


Comments

  • #2
    aujopimur
    Registered Users, Registered Users 2 Posts: 3,952 ✭✭✭aujopimur


    Answer the insurers questions correctly, most ask if you've had a claim in the previous 5 yrs.


  • #3
    dowling06
    Registered Users, Registered Users 2 Posts: 72 ✭✭dowling06


    aujopimur wrote: »
    Answer the insurers questions correctly, most ask if you've had a claim in the previous 5 yrs.

    Cheers for the answer. So basically you only have to answer what they ask you correctly? If they ask me 3 years rather than 5 and I say I have no claims in the last 3 years I will be covered in the case of an accident?


  • #4
    IrishGrimReaper
    Registered Users, Registered Users 2, Paid Member Posts: 899 ✭✭✭IrishGrimReaper


    Yes, but which companies have you seen asking for 3? I've not seen any of them that ask for less than 5 years.


  • #5
    dowling06
    Registered Users, Registered Users 2 Posts: 72 ✭✭dowling06


    IrishGrimReaper wrote: »
    Yes, but which companies have you seen asking for 3? I've not seen any of them that ask for less than 5 years.

    Online Aviva state 3 years and 123 ask 4 years online. Might be different over the phone but hopefully I can get a company to ask for 4 years as it would make a huge difference.


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