Do I always need to inform my insurance provider about an accident?
In a word – yes. You don’t have to make a claim, but you do need to tell your insurance provider about any accident you’ve been involved in. In your terms and conditions, you’ll probably find a little clause that says you do and that if you don’t, you could invalidate your policy.
Informing your insurer isn’t just about ticking a box in the T&Cs, it safeguards against your insurance provider paying out to a third party without your knowledge. Plus, some injury claims can be made years after an accident happened so it’s always best to ‘fess up and keep your insurance provider in the loop. If they know about an incident, they’re in a much better place to be able to help you.