Do accident in company behicle ned to be reported to private insurer?

Rockfish · 25-03-2025 02:52PM #1

Ha d avery minor accident recently in compnay van a fe wmonths ago, reversing into another car, rpeorted it to work and they dealt with it, the other driver got sorted out and he was happy though he said the bill quoted by the garage that fixed his, was multiplae times of what the actual cost of repairs was. I'd forgotten about it but heard soemthing recently about someone who hadnt reported a similar work vehicle accident and got into all sorts of problems later when making a claim on his own private insurance. So do i need to let my private insurer know now or do i wait until renewal. I also had another accidnet 4 years ago which i never reported to my private insurer either at the time, i presume i should also disclose this now too?

Eggs For Dinner · 27-03-2025 08:15AM

When asked by your insurer, you are asked to declare any accidents or claims. You had the accidents, your employer had the claims. Failure to disclose can cause you issues

Nigzcurran · 27-03-2025 08:25AM

The work policy is not in your name so I can't see how it would affect you. I definitely would not be telling my own insurer unless you were prosecuted as a result of careless driving causing the accident for example

finbarrk · 27-03-2025 09:34AM

Say nothing I'd guess. I wouldn't anyway.

Eggs For Dinner · 27-03-2025 03:53PM

https://www.boards.ie/discussion/comment/123302453#Comment_123302453

So you think you can smash away under a company policy and think its not a material fact for your insurer? . Never give an insurance company the opportunity to exercise their rights under the terms and conditions of the policy. They will use it

jimmycrackcorm · 27-03-2025 04:03PM

https://www.boards.ie/discussion/comment/123303799#Comment_123303799

Only if your insurer can possibly find out. When the claim is under a company policy then it's very unlikely, especially if it is minor.

Eggs For Dinner · 27-03-2025 05:50PM

https://www.boards.ie/discussion/comment/123303847#Comment_123303847

You can use the "only if they find out" approach for any aspect of declaring facts to an insurance company. They can and do catch people out (not always I grant you). Very easy to give brave advice on a forum when it won't have any affect on you

Nigzcurran · 27-03-2025 06:23PM

https://www.boards.ie/discussion/comment/123303799#Comment_123303799

Nobody mentioned being able to smash away. Don't know where you got that from

Henry Ford III · 01-04-2025 02:32PM

https://www.boards.ie/discussion/comment/123303847#Comment_123303847

Honesty is always the best policy. Your attitude to a potential fraud is extremely casual. The scale of it is immaterial.

Orban6 · 02-04-2025 10:09PM

https://www.boards.ie/discussion/comment/123302441#Comment_123302441

If no accidents or claims on their policy, i see no reason to declare anything.

Eggs For Dinner · 03-04-2025 08:08AM

https://www.boards.ie/discussion/comment/123321812#Comment_123321812

No skin off my nose if you want to non-disclose a material fact to your insurer

Henry Ford III · 03-04-2025 12:45PM

https://www.boards.ie/discussion/comment/123322384#Comment_123322384

It's really unwise though.

A repudiated claim is no laughing matter, and it'll have significant knock on effects.

Deagol · 03-04-2025 12:54PM

OP, you're getting a lot of very bad advise here. You must declare the accident to your insurer for several reasons.

As others have already pointed out, you're otherwise in breach of T&C's and your insurer will use that to refuse coverage if you try and claim for anything. Including possibly third party claims which could leave you open to being personally liable!

This nonsense about 'how would they find out' is just simply breathtaking in it's stupidity. Your company insurance has your name and DoB, it's simple and 100% will be checked against your private policy in the case of you trying to claim. Insurers share information.

You're also acting fraudulently if you lie.

Finally, if you're current insurer finds out, they could refuse to renew - and that has serious consequences because you would have to disclose that when looking for insurance in future (again, don't think "how would they know", it's 2025, they share information easily). If you are refused insurance it gets very expensive because every other insurer, even if they accept you, will load you substantially. I know one person who got loaded 300% because of lying to insurer and getting refused…

If you declare to your existing private insurer worst that's likely to happen is a small bit extra for a couple of years. Is it worth risking it?

Coillte_Bhoy · 09-04-2025 02:06PM

Im interetsed in this too, had a minor accidnt a few years ago in a compnay vehicle, claim was about €1,200. i hadnt realised i should have reported it to my private insurer. Im going to do so now but i wonder what the consequences will be? Will i be charged extra on my current policy or could it even be cancelled? I might just go to another insurer, declare the previous accident and see what they quote me first?

Eggs For Dinner · 09-04-2025 05:14PM

There are no certainties in life, but I can't see your private insurer taking any action for an accident at that level. Just tell them you didn't think there was an obligation to disclose but recently heard otherwise. It's usually appreciated

Do accident in company behicle ned to be reported to private insurer?

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