I drive (or used to drive) supermarket delivery vans for a living. I once had an accident in one whilst working, which was deemed "my fault" (touchy subject) and the supermarket, or their commercial insurers had to pay the third party I crashed into.

When I next renew my personal policy on my own car, do I need to declare this accident and the outcome?

And how is it likely to affect my premium?

Thanks in advance!

You should.... but how would anyone find out?

You should.... but how would anyone find out?

Good question, that was actually my planned follow up question! I thought commercial insurers had their own database which is linked with the databases of private motor vehicle insurers? In which case, I thought it was actually standard procedure to check between these databases for these kinds of things, and verify details that customers say on initiation of a new policy.

I'm only being very cautious as in the past I have had a policy cancelled for failing to disclose a non-fault accident my mother (named driver) was in between 3-5 years previous!

Would the claim be solely against the companies insurance policy or would it have put a mark on your personal database file that can be accessed by all insurers?

Surely when you started you gave them a copy of your licence etc. but does this mean they can mark your insurance record?

All that doesn't matter anyway as you should declare all accidents regardless of fault or claim within the last 5 years usually.

1. Would the claim be solely against the companies insurance policy or would it have put a mark on your personal database file that can be accessed by all insurers?

2. Surely when you started you gave them a copy of your licence etc. but does this mean they can mark your insurance record?

3. All that doesn't matter anyway as you should declare all accidents regardless of fault or claim within the last 5 years usually.

1. Exactly what I was wondering, hence this post. I was hoping one of the chaps representing an insurance company on here (Ollie, Sky Insurance?) would shed some light on it?

2. Yep I did give them copies, but I don't see what they might be used for. For example, a normal personal insurance claim can be put against my name on any insurance database with or without my license number/license details. If this accident is logged in an insurance database with my name against it, it is purely my name that is going to cause a match on any subsequent searches, not any details on my driving license documents. At least this is my understanding of the system.

3. True.. but where is the line drawn? I have been a passenger in many accidents before, no fault of mine and I didn't claim, should these be declared? As far as I'm concerned, that's exactly the same as being crashed into when you are the third party driver. But insurance companies still manage to use it against you, so, regardless of how moral you think it might be, and regardless of what you might do personally, I'm sure you can understand why I'm skeptical of declaring it if I think there's a way I can by without doing that..

Edited 22 August, 201313 yr by CWA

Dont declare. I cant imagine them knowing since it will of been your companies insurance they claimed off. Yes u should but all that will happen is you start over and pay extra. Bollocks to that. Your sypposed to declare even if u hit a tree n theres no damage. They try to scare hou to make more money