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I work for an insurance company for my sins...
The question they ask is ‘Have you been involved in any accidents where claim has been made or not?’ So you morally you should always declare the incident, failing to do so may invalidate your insurance if it is later found you didn’t.
In response to the previous comment regarding a non fault accident causing your premium to increase, whilst I agree morally and in lay mans logic it makes no sense - Underwriters can prove after you have been involved in one accident you are X% more likely to be involved in a second. Exactly the same as the colour of cars also affects your premiums etc etc. Underwriters will base your premium based on proven facts, whether the facts seem logical or not! |
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