It is very important to ensure that you disclose all previous accidents that you may have had when completing a quote for car insurance.
It is irrelevant whether the accident occurred in the vehicle that is being insured and it may have occurred in any vehicle where you have been insured to drive.
There are occasions when people do not realise or think it is relevant to disclose a previous accident as it may have been on a policy for a different vehicle.
So, you may have had an accident in your own vehicle that is registered in your name and insured by you. You will then need to disclose this accident on other policies where you may be a named driver.
This may for example your spouse’s policy on you may be noted as an additional driver under your son or daughter’s policy.
If you are a named driver under another policy then you will need to ensure that the accident is disclosed on all these policies as well.
This will ensure that the insurer involved is collecting the correct premium for the policy. It will also stop any issues occurring in the event of a claim when the accidents then come to light.