do i declare 3rd party claims when buying insurance

[shilzo]

do i declare claims i have made off another parties policy?

i.e. someone has hit me and i make a claim off their policy not mine?

 

[Rory]

Yes.

 

[shilzo]

i thought so was just checking

 

[Jon_F]

my motto - tell them everything

 

[shilzo]

well that adds another £150 onto my premium
that sucks balls

 

[recycled]

should not add that much. better consider changing

 

[shilzo]

that is the cheapest lol
im now paying £810 fully comp with 0 NCB at 20 years old.

 

[ukcodger]

The standard question is 'have you had ANY claims or losses in the last 3 (or perhaps 5) years'.
So yes you have to state everything.

 

[recycled]

The standard question is 'have you had ANY claims or losses in the last 3 (or perhaps 5) years'.
So yes you have to state everything.

Have you had any fault or non fault claims or losses

 

[Rory]

well that adds another £150 onto my premium
that sucks balls

That seems far too much - are you sure you've described it properly, as a no fault accident where you made full recovery?

In theory you could claim any extra premium back off the third party, but I've no idea if anyone has ever successfully done that.

 

[Jon_F]

that is the cheapest lol
im now paying £810 fully comp with 0 NCB at 20 years old.

thats pretty good then - i pay 540 with full NCB aged 28 on my W204

 

[recycled]

maybe he lives in reading and the insurance have been watching too much road wars