Accident on company's insurance policy, do I need to disclose this for personal car insurance?

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I am a named driver on a companies insurance policy. I've had an accident which was my fault last year. I'm leaving the company and I now need my own personal insurance, do I need to state this when applying or is it irrelevant as the claim was made on the company's policy?

4 Replies

gary_5 Level 1

Fault accident in company car, do I need to tell inform my own insurer?

I had an accident in the snow and ice this year, just slipped slowly off the road into a lampost. This was with a company car and resulted in a small claim. No third party involved. On my own insurance I have protected no claims, do I need to tell them and would it result in a higher premium? The first accident/claim in 25 years!!

[Migrated from previous topic 11548 dated 22 Oct 2010]

themslygers Level 1

i personally wouldn't endorse this answer (disclaimer lol), but if you got it reapired yourself and didn't involve the insurance companies then i can't see the issue of not telling them - they will only use this as an excuse to raise ur premium. but technically i THINK u do need to inform ur insurer of any accident thru fault of your own or not. if ur renewal is due soon it will probably have an increase anyway due to the credit crunch. you could just wait and see if it changes. if it doesn't then inform them of the bump and see what they say.

[Migrated from previous post 1356 dated 25 Oct 2010]

anonymous_2 Level 1

I have a company car but the company says it cannot afford to get an MOT done. If I have an accident am I personally liable or is the company liable?

[Migrated from previous post 2126 dated 24 Sep 2013]

gices Level 6

Unfortunately, yes! You will have to disclose this when looking for car insurance as it was you who was driving and it was your fault. As with all policies, omitting this information will invalidate your car insurance when the time comes for you to make a claim. The insurance company will know that you had an accident that you did not tell them as that becomes the basis for nullifying your policy, leaving you liable for damages.