It’s fairly well understood that when you apply for car insurance, you’re expected to disclose details of all previous car accidents you have been involved in as a driver.
However, it’s less well known that you also need to disclose details of all vehicle accidents. So if you’re applying for car insurance and you’ve been involved in accidents whilst riding a motorcycle, for example, the insurance provider will expect to be told about those incidents. The reverse also applies, so car accidents should be disclosed when applying for insurance to drive other types of vehicle.
Some people also believe that accidents that occurred when they were driving company cars do not need to be disclosed when applying for personal car insurance. Once again they’re mistaken and the insurance provider does expect to be told about these.
These accidents must be disclosed even if you didn’t make an insurance claim at the time, or if you were not at fault in any way.
Back in 2009 the Automobile Association reported a 30% increase in a period of just six months of insurance providers refusing claims because policyholders had given false, incomplete or misleading details at application stage. This statistic related not just to failing to disclose previous claims, but also to undisclosed convictions, not being clear about who the main driver of the car is and not informing the insurance provider of modifications to the vehicle.