No, you're not?
3-5 years post-event you have to declare
1973 Austin allegro in white kept for a year and upgraded to a talbot solara lol.
About 6 months, a cement truck crashed into it on the way home from failing an MOT. It was a Metro 1.1 litre.
How I evilly laughed and grinned as the insurance payout was more than what I bought the car for, I kept it as salvage and sold it for £100 to some local too.
Best experience ever!