Open Driving motor insurance.

[Romy2017]

I had an accident in my friends car. Single vehicle ,no damage except to the vehicle, nobody injured . She has opened driving on her insurance, therefore she is claiming for the repairs through her insurance.

I have given her insurance company my drivers license and personal details.

Am I required to inform my insurance company of the accident even if I am not claiming under my personal motor insurance?

Also, am I required to answer “Yes” when I am asked do I have any claims for my future insurance? My understanding is that I will be responding no but legally would I be correct?

 

[ClubMan]

Am I required to inform my insurance company of the accident even if I am not claiming under my personal motor insurance?

What does your policy terms and conditions say?

Also, am I required to answer “Yes” when I am asked do I have any claims for my future insurance? My understanding is that I will be responding no but legally would I be correct?

I think it's correct to answer "no" to a question like "have you had any claims (in the past x years)?" but if they ask "have you had any accidents" then I think that you have to answer "yes". Again check the terms and conditions of the relevant quote form/policy.

 

[Romy2017]

Thanks