Declaring company car crashes on personal car insurance

[JonB]

Errr.

May have discovered that I am meant to disclose incidents that occurred whilst I was driving company cars to my own car insurance company.

Only finding this out as some-one on another forum has had their insurance declared as void after an accident as they hadn't declared a small incident to the insurance company.

Notwithstanding that it is rather cute that insurance companies investigate this after an accident and not at quote stage, when I ring up my insurance company later on today to declare two incidents is there a possibility it would void my existing cover, or would I just have to pay an additional premium?

I can't even remember the date of one of the incidents as it was in 2011 and was just a little dink against a car in car park that my previous employer's insurance paid out on.

Thanks,
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Be careful whose advice you buy, but, be patient with those who supply it. Advice is a form of nostalgia, dispensing it is a way of fishing the past from the disposal, wiping it off, painting over the ugly parts and recycling it for more than it?s worth.

[lllN30lll]

They'll either cancel or give you a much larger premium to pay.
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Turbo R1
CRF450R

[DrSnoosnoo]

If you're lucky you'll just have to pay more to cover the increased premium but they may cancel.

I got insurance yesterday and while on hold the robot said, "insurers share information and if any information given is found to be false ..."

BOLLOCKS why can't I give them my name and DOB and address, all insurance should bring my history up. Especially with BikeSure (IME) I've got a car and another motorbike insured with them! (car is Adrian Flux which is BikeSure I found out).

They'll take your money then if you crash and then they find out, they keep your money even though the contract was void!
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I'm Sam; Northern, Ginger, Lover
Did have: '95 ZZR600 '83 CG125 '97 ZZR1100 '15 Hypermotard 821 SP Do Have: '10 ZX10R

[Ste]

"have you ever had insurance declined or cancelled?"

Lube up and hope they want to charge you an additional premium rather than cancelling your policy.

[JonB]

Hmmmm.

This is looking trickier than I thought. Plain ignorance here, I had nothing to gain by not declaring as I already had one private accident declared anyway.

I just ran a couple of quotes with my existing insurer online, one of which is as I have it all setup at the moment and one with the additional claims and it is £20 more expensive for the year. So not exactly a bank breaker which is making my ignorance even more frustrating.
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Be careful whose advice you buy, but, be patient with those who supply it. Advice is a form of nostalgia, dispensing it is a way of fishing the past from the disposal, wiping it off, painting over the ugly parts and recycling it for more than it?s worth.

[Rogerborg]

What part of "all claims, accidents or losses" confused you?

Yes, disclose everything. There's little point in buying insurance that won't pay out.
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Biking is 1/20th as dangerous as horse riding.
GONE: HN125-8, LF-250B, GPz 305, GPZ 500S, Burgman 400 // RIDING: F650GS (800 twin), Royal Enfield Bullet Electra 500 AVL, Ninja 250R because racebike

[JonB]

Looks like I've been a massive doofus. Feel really guilty right now, I had assumed (stupidly) as I was on a company group wide insurance policy I therefore wouldn't be personally responsible for a claim.

I'm not sure what's worse, ringing up the insurance company or admitting it to BCF lol
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Be careful whose advice you buy, but, be patient with those who supply it. Advice is a form of nostalgia, dispensing it is a way of fishing the past from the disposal, wiping it off, painting over the ugly parts and recycling it for more than it?s worth.

[JonB]

Result. All updated at a cost of £22.

Phew.
____________________
Be careful whose advice you buy, but, be patient with those who supply it. Advice is a form of nostalgia, dispensing it is a way of fishing the past from the disposal, wiping it off, painting over the ugly parts and recycling it for more than it?s worth.

[Rogerborg]

Right move.
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Biking is 1/20th as dangerous as horse riding.
GONE: HN125-8, LF-250B, GPz 305, GPZ 500S, Burgman 400 // RIDING: F650GS (800 twin), Royal Enfield Bullet Electra 500 AVL, Ninja 250R because racebike

[fatpies]

[dydey90]

I doubt they'll cancel it, just add amend your policy to one that's undoubtedly more expensive.

The annoying thing is I've only had one crash, nearly four years ago, that I have to declare on my car AND bike insurance.
Fortunately for me, Admiral don't count claims over 3 years old and whoever I insured my bike with don't count claims if it wasn't on a bike.
Accident wasn't my fault, third party spun and hit me, yet I still had to pay around £200 per year extra for it.
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This post is probably not serious and shouldn't be taken literally.
Past: CBR125,ER6f NINJA 650, ZZR600 Current: VFR750

[JP7]

I had a collision in a company-owned vehicle a few years back, which I declare.

The insurers cover it nicely with "Have you had any accidents or made any claims...", so it becomes largely irrelevant whether or not you made the claim or your employers did.

That said, the insurers tend to ask "Was it a claim under this policy?" or "Did you lose your No Claims Bonus?", which I can answer no to, so it doesn't affect my premium much.