Well, its finally happened. After 13 and a half years of collision free bus driving, I was driving my bus this morning and came across a minor accident that was blocking the road. I pulled into the side of the road a short distance away whilst the two drivers exchanged details, and sat there with my hazard lights on to warn traffic approaching behind me. The two women had just started to move their cars when a Volvo came from the opposite direction and lost control on the icy road. He slammed into one of the cars, shunting it across the road straight into the front of my bus. A few second later, another woman approached and lost control in exactly the same manor, bouncing off the Peugeot that was embedded in my front bumper.

Fortunatley there were no injuries.

My question is this, even though I was driving a work vehicle and was 100% blame free, backed up by witnesses and my cctv, do I need to declare this incident to my insurers when I renew my car policy?