Trophy's & insurance!

[Sir_Dave]

I think you missed my point entirely, but nevermind.

Whatever the people on this forum now say about declaring your previous accident to your new insurers, you have posted it on the internet, for the world to know about. So if you dont declare it, you bin your Trophy & the insurer come on here, which they might, you have potentially misled them.

 

[Anatonic]

Yeah that's fine and its already been declared to my insurers, hence I've no problem posting it - it will continue to be declared. I was unclear in the first post reading it back - but some are telling me it's not an accident based on the circumstances and therefore aren't noting it on the policy (which worries me if for some reason I did need to make a claim?) but how do I know that won't bite me despite informing them of it? The way it's declared at the moment is I've made no claims but that I've had an accident, and in the detail a 3rd party/object hit me with full recovery made in the last 3 years - though this shows nowhere on any paperwork - only on the system at Direct Lines end!

I guess it's a moot point really as I've nothing to hide or no reason to not declare it. I've got off the phone to a couple of specialist insurers/brokers and the premium difference is £13 for one and £32 for the other... (albeit both quotes similar - around £520/£556 mods declared) Both have said that they would make a note of it on their system but that it wouldn't show on my policy paperwork (which is why I wonder why we declare this minor stuff in the first place?).

I just don't want it to be 'noted' by them only for them to turn around in future and say 'You never told us' because it doesn't show on any paperwork somewhere... My answer to a claim is 'no' but accident is 'yes' - claims do show up on policy paperwork usually but for some reason accidents don't...