Do I declare this? - Ford Forums - Mustang Forum, Ford Trucks, Ford Focus and Ford Cars

miks4d · 11-24-2003, 02:09

I am about to sell my XG ute and purchase an EB XR8 which I have been
saving for both financialy and my driving and insurance (max noclaim bonus now) record (to keep the cost of
insurance down which is already ridiculous for a V8).

I am currently shopping around for insurance and they all want to
know whether I have had an accident or claim in the last
5 years.

My driving record is superb.

But in September this year I had an accident where I rear ended another car pushing them into the car in front. At the time I was a spare parts delivery driver, driving the work ute during work hours on
my morning run. At the time of the accident I gave my details to both other drivers and parted ways. I filled out a claim form for my works insurance company.

Over the next 6 weeks I received a letter from both other parties insurance companies stating to forward my insurance details to them
so they could make the claim.

Both these letters were passed on to my employer who in turn has passed them on to his insurance company.

So technically it has not and will not be claimed on my insurance policy.

The big question : DO I HAVE TO DECALARE THIS TO AN INSURANCE COMPANY WHEN APPLYING FOR A QUOTE OR POLICY?

Please help!

Thanks

Regards
Mick

miks4d · 11-24-2003, 02:16

I am about to sell my XG ute and purchase an EB XR8 which
I have been saving for both financialy and my driving and insurance (max noclaim bonus now) record (to keep the cost of insurance
down which is already ridiculous for a V8).

I am currently shopping around for insurance and they all want to
know whether I have had an accident or claim in the last
5 years.

My driving record is superb.

But in September this year I had an accident where I rear ended another car pushing them into the car in front. At the time I was a spare parts delivery driver, driving the work ute during work hours on
my morning run. At the time of the accident I gave my details to both other drivers and parted ways. I filled out a claim form for my works insurance company.

Over the next 6 weeks I received a letter from both other parties insurance companies stating to forward my insurance details to them
so they could make the claim.

Both these letters were passed on to my employer who in turn has passed them on to his insurance company.

So technically it has not and will not be claimed on my insurance policy.

The big question : DO I HAVE TO DECALARE THIS TO AN INSURANCE COMPANY WHEN APPLYING FOR A QUOTE OR POLICY?

Please help!

Thanks

Regards
Mick

Futura97 · 11-24-2003, 02:19

yes...

theres no point paying $1000(or whatever it is) per year, and then make a claim only to not have it payed out cause of this technicality!!

But its up to you...

miks4d · 11-24-2003, 02:36

Oops, Sorry posted twice.

Aaron_EF8 · 11-24-2003, 03:35

I wouldnt, but what you could do, is ring a company that you don't like (AAMI) and ask them.

Aussiblue · 11-24-2003, 03:59

If you don't tell them and you subsequently have a claim and they find out about the past accident (which they may well do as they keep a shared data base of all claims) your claim will be rejected. Declare it.

tx3dude · 11-24-2003, 05:45

dunno dude. sounds like ff.com needs a legal dept...

JADED6 · 11-24-2003, 08:40

I'd do it if i was you.. ANY REASON at all is reason enough for an insurance company not to pay up and they will get you on this if you were to make a claim thus leaving you with any repair bills in the event of an accident. Don't think it'd help long term by leaving this out, you may have to pay a bit more now but they wont give you a cent if they feel they have reason not to pay. (remember, any reason at all)

JADED6 · 11-24-2003, 09:04

quote, But in September this year I had an accident where I rear ended another car pushing them into the car in front
&
Over the next 6 weeks I received a letter from both other parties insurance companies stating to forward my insurance details to them so they could make the claim.

Just out of curiosity now...... I heard a cop on the radio say that if you hit a car in the rear and it then hits a car in front of it, the car you hit is responsible for damage it does to the car in front of it (make sense?) i thought it was stupid but he stated, it's their responsibility to leave a gap (said to be a distance of "so you can atleast see the back wheels of the car in front or see the road")
What if some idiot hit you at 60kmp/h ?
Ok so way off track now, sorry :)

XR8 Lamah · 11-24-2003, 11:41

It will depend on the exact wording of the questions. However, I would call your insurance company and ask - there is no need to tell them who you are if you are worried.

I think pricing is very much on no claim. NRMA's site bumps up the price if you have had an incident, but largely because it uses this to "guess" your no claim. If you still have max no claim, I think you will be fine.
Unfortunately, as mentioned, they are sneaky sods, so your best to mention everything, or risk your insurance being useless