Car insurance Dilemma

I don't think it would affect your own insurance. Why not phone them and ask what would happen in such a (theoretical!) situation?

I think it might because your own insurance company would then see you as more of a risk.

If I ask them, I think they might catch on. I tried putting DH on my insurance yesterday and sort of waffled over the issue when I was going through his accidents with them.

Yes, it looks as though you are right, petallus.

www.thisismoney.co.uk/money/experts/article-1639578/Insurance-woe-for-double-crash-family.html

Personally, I would fess up , as DH did put in a claim.

On the whole, I think it is best not to claim for minor stuff, as not worth it in the long run.

Pet- yes seriously there is a 'big computer ' out there and you would almost certainly be 'caught' . Be honest, it's just not worth getting caught out - the question on the form is quite clear

Big Brother really is watching you - you will have to fess up. It is not worth creating a situation where you find you are not covered - insurance companies are adept at wriggling out of things and everything needs to be above board.

As someone else has said, it really is not worth making small claims as it will cost more in the long run.

I think you have to confess Petallus, although it does seem to be a double whammy as you say. I put the wrong date of a no fault accident once on an online quotation form and I got a very bossy reply from the company demanding to know about the accident that happened on the date I mistook. No doubt they logged the mistaken one too and now think there were two accidents. It is no win I'm afraid as if you fudge the replies they can refuse to pay up if you claim and they find out about false information.
Weirdly you get a discount for having more than one person on your car insurance, which hopefully counterbalances the double whammy?

You must let them know, without question. You could find yourself uninsured otherwise.

You may find that they do not raise your premium. A few years ago our then 18 yr old DS wrote his DFs car off. No one hurt. It was sorted out by the two ins. Cos. involved. DH got a new car with slightly more power, but the ins. Co were happy to continue insuring DS at no extra cost. The cause of the accident was 50 - 50 blamed. ( involved ice!) x

Thanks for the helpful comments.

Following the general consensus of opinion I 'fessed up to my insurance company yesterday.

Now I am waiting to see how this will effect my premium but in any event I feel hugely relieved.