Do the police inform insurance companies?

Most insurance companies are no signatories to an agreement with Police Forces which allows them to obtain this information from us directly (but usually only with the consent of their insured).

Do all car accidents have to be reported to insurance?

Motor insurance policies are basically a contract between you, the policyholder, and the insurance company. The majority of policies require any policyholder involved in an accident to report the circumstances to the insurance company, regardless of whether there is any claim being made.

Will car insurance check police records?

Insurers do not have access to police records. They are unable to do a basic criminal record check on you without your consent. Generally, when you take out a policy, an insurer will rely on what you tell them. Occasionally, they may ask you provide proof of certain aspects, but this rarely relates to criminal records.

How long do you have to tell insurance about accident?

If you’re involved in an accident, you must tell your insurance company as soon as possible. Most insurers specify that you must inform them within 24 hours of the incident.

What happens if you don’t declare an accident?

Pretty much all insurance providers will have a clause in their policy requiring you to declare any incidences you’re involved in while driving in the past 5 years. If you don’t report something and your insurance provider finds out about it later, they could invalidate your policy.

Does your insurance go up after an accident if it’s not your fault?

Generally, a no-fault accident won’t cause your car insurance rates to rise. This is because the at-fault party’s insurance provider will be responsible for your medical expenses and vehicle repairs. If your insurer doesn’t need to fork out money, your premiums won’t go up.

Does a non-fault accident affect insurance?

Does declaring a non-fault claim affect my insurance? Unfortunately, yes. In many cases, your premiums will go up after you’ve declared a non-fault claim to your insurance provider. This is because certain circumstances surrounding the accident, even if it wasn’t your fault, may lead to more accidents in the future.

Do insurance companies have access to criminal records?

Most insurance companies ask about criminal convictions because they believe it is relevant to the risk. Although this often seems unfair, they are, unfortunately, entitled to ask. If asked, you need to answer this question honestly and accurately.

Do insurance companies do DBS checks?

Probably nothing. During your policy insurers will rely on you to make them aware of any important changes. They will not usually check that you have done so.