insurance question

[ishen]

hey ozhonda,

will insurance companies find out if i state that i've had no claims in the past 5 years? i mean my driving record is pretty colorful and when ever i do state that ive had 2 claims within the past 5 years they shoot my premium up to like 5k, aami wanted over 10k and this is for a 02 dc5r, what would you guys do? considering my driving record isnt the best. any help appreciated! :)

[Zilli]

Go to Just Car

if the shit hits the fan and you have aused an insurance thousands nd thousands in damage, they will investigate any method they can to put negligence on you and refuse or reduce your claims.

My recommendation is that you dont bullshit, but then everyone does it... make sure you know what your rights are, and what can happen if you dont declare. Most insurers operate under a "Duty of Disclosure" which basically puts the onus on you to disclose anything that is required.

[dec3it]

that sounds really odd.
2 at fault claims over a 5 year period should not effect your premium too much, and I believe they ask for a 3 year history these days?

One thing i can think of would be due to the area you live in as well as the fact that dc5r are a performance car?
also they take your age into consideration,
for e.g
if you are 22 and had your license for 4 years you would be a rating 2. but given that you had 2 at fault claims over the 3 year your rating would drop back down to 4. which is probably why your insurance premium is high. if you had your claims more than 3 years ago you would maintain a rating 2 which would shave a lot of your premium. i believe it to be a 20% difference but dont quote me on that.

I agree with Zilli, try Just car, they are a sub of AAMi to handle high performance cars. As Zilli said insurance companys operate under a "Duty of Disclosure" which is read out to you prior to you obtaining the quote.


Good luck.