Would you have to declare this on your insurance...

DazQ87

DazQ87

DazQ87

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6 May 2011
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Milton Keynes
Your thoughts please OCUK motors:

Ok, I am having an arugment with one of the guys at my swimming club, the guy in question is 17, essentially mummy and daddy bought him a car (52 reg ibiza 1.2L) insurance all payed for by his parents etc via a company with a black box.

Anyway he passed his test and manages to total his car within 5 day by driving like a ****. (The day he passed his mum had 15+ emails from the insurance company detailing excessive speeding, excessive breaking etc.) His side of the story is that he was doing 70 on a dual carriageway and hit a patch of diesel whilst comming off onto a slip road and went front end first into a sign post. He and his passenger escape with just minor injuries through some sheer divine intervention.

However, for some totally unknown reason he and his parents decide that they will NOT go through the insurance (only 3rd party) and they will pay off all the costs themselves as it makes more financial sense for him to get his magical 1 years NCB. The costs are about £1800 for recovery and the sign post he took out, and on top of that his "mate" who was in the car is now going to "sue him for whiplash". Bringing the total to about £4000!
I think the black box actually had him doing a speed of 92mph before breaking to 70 and then 0 so I'm fairly sure they must be aware of some kind of accident.

My question is, does he not have to declare this on his insurance at some point in the future? Even as some kind of accident in which NCB was not lost and no cost to the insurance company was incurred etc. He is absolutly adamant that he will get his 1 year NCB and never have to declare the accident to anybody.
 
Yes he has to declare it as there has been a claim (3rd party).


Edit: Mis-read, there hasn't been a claim. Probably should still declare it, but wouldn't affect his premium I wouldn't have thought.
 
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It depends on what the insurer ask to be fair. Most tend to ask "any accidents, or claims" this would generally mean that you still have to tell them that you had an accident regardless of whether or not you claimed.
 
Yes he will have to declare it, and yes they will already know due to the black box. He might as well claim because within a few weeks of driving like that he will probably have his policy cancelled as they monitor his stupidity and decide they dont want to cover his ass anymore!
 
I don't think you need to 'declare' it but your meant to advise your insurance it should make no difference to your insurance though.

I never 'declared' mine but I advised them I crashed as the girl was going to try and sue me for whiplash has made 0 difference to my premiums. Saying that I did leave it 6 months to contact them, they also never asked for any details.

Personally I would not tell them if I had no reason to, but I would be willing to take that chance.
 
Yeah, it was inevitable that something was going to happen, unfortunatly it was an accident rather than an insurance cancellation.

Is the black box data avalible to other insurance companies or is it kept private? I don't know the name of the company for what its worth.
 
Begbie said:
I don't think you need to 'declare' it but your meant to advise your insurance it should make no difference to your insurance though.

I never 'declared' mine but I advised them I crashed as the girl was going to try and sue me for whiplash has made 0 difference to my premiums. Saying that I did leave it 6 months to contact them, they also never asked for any details.

Personally I would not tell them if I had no reason to, but I would be willing to take that chance.
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Declaring to, or advising your insurance company are basically the same thing. You could advise them you made a claim, or had an accident, or you can declare that you had an accident, or made a claim. The two dont really have a different meaning.

The simple fact is that if the insurance company ask you if you have had any vehicle related accidents in the last however many years, and you say no when you actually have, you are commiting fraud.

I've never yet known anyones insurance not go up when declaring any kind of accident though, mine went up due to my fault claim, someone I work with went up by about £30 when he crashed into a pole on black ice and simply informed his company of the accident despite fixing it all himself, and another friends went up despite being found not at fault when a lorry reversed into her.

It sucks, but it should always be delcared unless you are willing to run the risks associated with comitting insurance fraud.
 
I'd love to see what kind of speed/time graph the black box can come up with for that little course of events. I assume the box has GPS? In which case it isn't going to need a team effort from Sherlock Holmes, Poirot and Gil Grissom to figure out what happened.

And yeah, he sounds like a right bonehead.
 
Yes it has to be declared, wether or not it will effect any future premiums will totally depend on which insurers he uses over the next 3-5 years.
 
yes it has to be declared, it should not affect his NCB, he will still get that, but his premium may (will) rise as a result of the accident.
 
Iamzod said:
Yes it has to be declared, wether or not it will effect any future premiums will totally depend on which insurers he uses over the next 3-5 years.
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Don't declare it if you get caught out try ' you only asked about accidents or claims, however I did not like the car so drove it off the road on purpose '
 
surely its an offense, not an accident. accident implies a lack of guilt. he was actually speeding and probably driving without due care and attention at the least.

or at least that's what I've seen on in of those traffic cop shows!!
 
Technically its a collision, there is no such thing as a road trafic accident, its a road traffic collision in police terms.
 
And what about in insurance terms? I think anyone with any grasp of English would agree that driving a car into a post constitutes an accident. If the insurance company took you to court over it their lawyer would just throw a dictionary at you and it'd be case closed.
 
Vonhelmet said:
And what about in insurance terms? I think anyone with any grasp of English would agree that driving a car into a post constitutes an accident. If the insurance company took you to court over it their lawyer would just throw a dictionary at you and it'd be case closed.
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If he hit the post on purpose it wouldn't be an accident?

</pedant>
 
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