Should I declare an accident even if I didn't make a claim?
A is backing out of narrow lane to junction with main road. B is turning right into lane from main road with limited visibility. They collide. Details exchanged. Minor damage - it seems 50/50 blame. B makes claim through his Insurance damage to front bumper. A does not make claim .only minor scratches
When their Insurance comes up can they say no to the question 'have you made a claim in last 5 years?'
When their Insurance comes up can they say no to the question 'have you made a claim in last 5 years?'
Asked on 5 March 2026 by Gerry Sanderson
Answered by
Matt Crole-Rees
When buying insurance you will be asked if you’ve had any accidents or claims in the past 5 years. Even if you haven’t made a claim, you should still declare the incident at this point, and can also declare that this didn’t lead to a claim.
If the other party claimed against you, then this would need to be declared too.
Failure to share this information could invalidate your cover. So it’s important to be upfront and honest with your insurer.
If the other party claimed against you, then this would need to be declared too.
Failure to share this information could invalidate your cover. So it’s important to be upfront and honest with your insurer.
Tags:
insurance claims
insurance
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