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Can someone tell me how my car insurance will be affected in this instance:
I was a named driver on my dad's car (my dad was the policy holder). I accidentally went into the rear of the vehicle ahead of me, the fault came down to me, which I accepted liability for.
Now I wish to purchase my own car and insure it as myself as the policy holder. Do I have to declare that I had an accident and I was liabale or because it has affected my dad's insurance already I don't have to declare this?
They will run a CLUE report and see that you've had an accident, and you will be charged extra for the accident. It doesn't matter that you were not the policyholder. All that matters is you were the driver.
Swiftcover Insurance
It can be very confusing but in essense you need to declare if you have had any accident (normally any within the last 3 years) irrespective of whether the insurance policy was yours or your dad's.
Usually insurance companies exchange information of claims so your insurer will check your details against this database (usually at the point of claiming with them) to make sure your claims history is what you say it is.
Further information can be found at
http://www.swiftcover.com/carinsurance/policy/general-conditions/
RAY
Afraid you do have to tell them as you were the driver at fault you constitute (in insurers eyes at least) a higher risk, they will ask and if you are dishonest, you're effectively committing fraud so they would be quite entitled to cancel your insurance at any time or indeed refuse a claim. All insurers share info these days so they will find out eventually.
It's unfortunate I know, but don't be too down about it... almost everyone has a minor accident when they first start driving, get a couple of claims free years under your belt and you will see your premiums drop considerably (even in year 2).
MARK S
It goes by the driver. Your dad's will be reduced once you're rated on another car.
prince_henry
when you go for your own insurance they will ask you have you had an accident with in the last 3 years, if you answer no they will insure you but if you then have a accident and they find out you lied they might say your insurance is voied, so if i was you i would answer yes unless they just ask have you made a claim in the last 3 years then say no
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