Any incidents, accidents, claims or losses that were made or occurred on a previous policy need to be disclosed at the quote stage of your new policy. If you don’t do this, you could be charged an additional premium or have your policy cancelled or voided.

This applies even if the claim was made by a named driver who is not on your new policy. It also works the other way, so if you had an accident when you were a named driver on someone else’s policy you would also need to disclose this on your new policy.

Insurers have access to online databases that have information on all UK claims. When a new insurance policy is taken, every driver’s details are checked against this database, so any incorrect claims information can and will be picked up.