Do you have to disclose a ‘non-fault’ claim when getting a new car insurance quote?

March 14, 2016

Car insurance is expensive and most shop around for the best deal, a question that is often asked is whether you have to disclose a ‘non-fault’ claim when applying for a new car insurance quotation?

The simple answer to this is ‘yes’.

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Generally when filling in the forms the question asked will be along the lines of: “Have you made a claim in the last …. years?” This period generally is between three and five years. Obviously if the non-fault claim was prior to this then you do not have to disclose it, but if it is within the timescale given then you do.

If you do not declare that it happened it could create major problems for you further down the line, especially in the event that you need to make a claim. It could in effect invalidate your policy.

Does disclosing a ‘non fault’ claim increase insurance premiums?

It appears that it does and sometimes you can pay up to a third more! This seems totally unjust. The accident was not your fault, the blame was apportioned totally to the other driver, yet you end up paying the price!

However this is the way car insurance companies seem to work here in the UK and there is nothing you can do about it. Insurers give the reason that regardless of who was at fault, when a vehicle has been in an accident the probability of them being in another one increases.

They also say that the accident most likely happened in a road that the driver may use on a regular basis, so the chance of a recurrence is high.

The Guardian reported in April 2014 that the AA carried out a mystery shopping exercise.

They posed as a normal driver on a comparison website, the results that came back were surprising. When declaring just one no-fault claim, the majority of the insurance companies (60%) came back with no additional charge.

However around 35% quoted premiums that were up to 5% more and the remaining 5% quoted premiums that were a staggering 30% higher!

When they declared two no-fault claims, only 4% of the companies came back with no increase in the premium at all. The rest came back with insurance premiums that were typically between 10 – 50% more!

The immense difference in mark ups between the insurance companies shows that it is definitely worth shopping around if you have a non-fault claim, when the time for your insurance renewal comes around.

How can I lower my car insurance premium?

There are several ways you could lower your car insurance premium.

One way is to increase your voluntary excess. It is always worth protecting your no-claims discount, this could save you more in the long run.

Have a black box fitted in your car – if you’re a safe driver this also can help lower your insurance premium drastically.

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