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PostPosted: Tue Sep 12, 2017 9:16 am 
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4 years ago I had a van. One day I left it outside a job to find it had rolled into a wall. Total write off.

Since then I've worked out of an estate car. Private policy which includes business use.

My personal no claims haven't been affected, but every year when I search for new quotes I include the loss of the van in the "accidents or claims in last 5 years" section.

Question is, do I really need to disclose claims from a totally separate commercial policy? I always thought this was a requirement, but is my honesty pushing up the price of my insurance?

Insurance websites don't seem very clear on this, or maybe all have a different approach.

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PostPosted: Tue Sep 12, 2017 6:10 pm 
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Always declare anything which may be relevant. Any claim whether related to that policy or not could result in your current insurance being invalid if you haven't declared it.

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PostPosted: Tue Sep 12, 2017 6:27 pm 
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:withstupid:
I had insurance cancelled through no fault of my own 4 years ago and had to declare it and to my disgust nearly no-one would insure me.
Direct Line actually listen to my case,agreed with me about it not being my fault and insured me and I've been a customer ever since with my commercial policy.
They take 212 quid a year fully comp with no claims protection for my transit connect. It did go up slightly this year by about 20 quid.



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PostPosted: Wed Sep 13, 2017 10:30 am 
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Suppose good thing is I only need to declare it for one last time. After this year I won't have to.

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