I'm thinking of coming out of the company car scheme and using my own car but have a question regarding the insurance. I have 3 years NCD from my last private car but I had an accident (my fault) while I had my company car.

Do I have to confess when getting a quote as it wasnt on my policy?? In other words could they trace I have had a claim??

Probably a silly question but just wondered

 

Yes they can trace you mate, if you don't tell them and they find out then it's a non-disclosure of what they call a material fact.

They can find you by doing a 'CUE' check, Claims Underwriting Exchange, basically a central database where all accidents are recorded.

Tell the truth, it's easier in the long run, your 3 years ncd is still valid as it was on another policy but you do have to disclose the claim

HTH

 

christ,,,, does that also count if the company is selfinsured as i had a "small" prang in the group managers ranger,,, wrote off a scorpio

never told my insurance company

oh and i also drove a nissan pathfinder into a mini digger and it fell off its dirt mound

not sure if we claimed though as it was the building companys directors x-trail i was delivering when i crashed it into one of his diggers,,,, not all irish men have a sence of humor in the discovery of bad news

actually it was REALLY pissed when i sugested putting the digger back on its tracks with the 7 mile on the clock 4x4 tax dodge motor with the aid of a rope tied to the fucked front end and set it to 4wd and put it in reverse

 

Thanks mate, just as I thought

Went back online to amend the quote and it only adds Ł50 to the policy so not too bad. How can an Focus RS be Ł40 cheaper with the Mrs on, and shes only 25

 

Fook knows mate, I put my mum on my Cossie policy and it brought it down by about Ł150!

Ginge, your a fucking worry arnt ya!

 

As said they all share info, usually stated at the beginning of telephone call recorded message.
It is NOT however illegal for the insureres to take your money/give cover KNOWING you have lied then refuse to pay out in the event of a claim!!
tabetha

 

Make sure that your 3 years NCD is still valid. With most insurance companies there's a 2 year time limit for this.

 

i put my old tit on my policey and i knocked of Ł400 loooool, and shes only got a provisionla

geniouse

 

CODSHIT!

They don't wait until you've had a claim ffs, they will write to you making you aware of the non-disclosure as soon they find out themselves!

You then either pay the additonal premium IF they still want the policy are at that point you walk away from the policy and pay a Time On Risk charge!

 

Correct, very true Lynne!