Car Insurance 'accident'

[Harley1450]

I have driven a company car for the last five years but now have to buy my own. I called the insurance company I have a motorcycle insured with for a quote and they asked me if I have had any accidents in the last 5 years, being honest I told the agent someone had scraped my company car in a car park nearly 2 years ago, however it was all settled without involving either of the insurance companies (the gentleman in question paid for the damage to be repaired). The agent has said this must be noted and gave me an extortionate quote, when questioned she said it was because of the accident and it would be on my policy if I took it with them, even though I never had an accident and no insurance companies were involved. I would appreciate some advice on whether this has to be the case and if I phone another insurance company will they be aware of my so called accident. I am aware that they share data bases so would I be right or wrong in getting another quote and not telling them about my 'accident'

Any advice would be very much appreciated.

[Guest]

Insurance Co. do advise of accidents, similar happened to me, I was insured with Co-oP they stated it a no-fault accident, and that was just common sense, but today its a case of getting the money, Try independents such as Direct Line or Aviva.

[Harley1450]

Thanks Archie2 for your reply, apologies for my late response. if I use an independent would they be aware that I have declared my incident or can I say no if asked again if I have had any accidents or claims in the last 5 years?

[ostell]

Do not lie to an insurance company. If they find out they will cancel the policy and you will have a heck of a problem getting insurance elsewhere.

The insurance companies keep a common data base about incidents and your name could be on it with regard to your accident.

[Harley1450]

Good advice, thank you OSTELL.