What is life like with your car? Let us know and win £500 in John Lewis vouchers | No thanks
Do I need to declare an insurance claim on a second policy?
I own two cars each of which is insured with separate policies and different companies. Unfortunately I may have damaged another vehicle when reversing. I will of course notify my insurance company. As I will not be making a claim for my own car will I still be liable for the policy excess? When the insurance for my other vehicle is due must I declare a previous claim on a different policy?
Asked on 3 June 2024 by Derreck
Answered by
Louise Thomas
If the damage to the other vehicle was your fault, then you’ll have to pay the excess cost. You’ll also have to notify your insurer of any previous claims when it comes to renewal. That’s because claims go against the driver, and not the vehicle itself. So even if you’re insuring a different car to the one which was involved, your insurer will want to know about it.
Tags:
insurance claims
insurance
We give you the low down on how to save on insurance, little-known tricks and tips, what insurance groups mean and how to use insurance aggregators to beat insurers.
Insurance group finder and how to save on insuranceSimilar questions
A friend was involved in an accident involving a motorcyclist. When driving slowly in the outside lane, a motorcyclist filtering on the nearside of the car hit the side of his car fell off into the road....
I have two cars and each is insured on a separate policy in my name. I have had one windscreen claim on each policy in the last 5 years. When applying for car insurance quotes do I need to list both windscreen...
I have two cars on separate insurance policies. One car was written off, this was my fault. This is my first accident in 57 years of driving and the insurance companies are loading the new premium drastically...
.jpg)
