slowpoke

right, i had a bump oct time last year on my second car policy

question is with the saph insurance coming up for renewal soon do i have to say i had a bump on this policy ?

ive got full no claims bonus and its protected on the saph but im going to try hic and adrian flux this time to see how cheap they are, the bump was in my other car though on that policy so where do i stand with this ?

the way i see it is that i shouldnt be penalised at all on my saph policy ?

Matt

Iain Mac

You have to declare it, otherwise the insurer has a reason not to pay out if you need to claim in future.

slowpoke

but that will affect my premium tho wont it ?

even tho it the claim was on a diff policy and diff car and i have full protected no cliams ?

when you say you had a claim they always bump up your policy lol

Matt

slowpoke

upski for the dayshift please

Red16

you have to declare it... they'll ask if you've had any accidents,claims, convictions in the last x amount of years so you have the option of either a)tell them about it or b)lie and risk not being paid out

AlexF

Driving uninsured withh affect your premium MORE!

Alex

Iain Mac

And insurers now swap information through the MIDB so they will almost certainly have access to the info on the other claim anyway.

vroomtshh

I had this recently. I had a bump in my girls car, so claimed on her policy, but was noted that I was driving (named driver). I didnt mention it at my renewal as I didn;t think I needed to. They sent me a letter saying that they had received info that I had been involved in an accident and they would be cancelling my policy.

Iain Mac

Did the question about "Ever having a policy cancelled or refused?" add much to your new premium?

vroomtshh

They didn;t actually cancel it. I spoke to them and they adjusted the premium to suit

slowpoke

and how much did your premium change ?

also whats the point of having protected no claims on the main policy if its gonna go up anyway !!!

vroomtshh

an extra £60 a year