just been wandering...

i have been a second (or additional - ie: not main driver) on insurance policies all my life so i have 0 no claims. However, I did have an accident in 2003 and I stupidly admitted being the driver during the accident! Though when the claim was made, my father was (and still is) the policy holder and main driver. So technically the claim was under his name??

Now when it comes to shopping for insurance quotes for myself, when asked "Have you had any claims or incidents within the last X years?" or something to that effect, do I HAVE to mention the accident described above? Is there any way of getting away with not declaring it? If so, could I get caught and how? Its just that I've been trying to get quotes but they are too expensive if I declare the accident, and for some reason my guilty conscience makes me feel obliged to do so!

no idea, but you get in contact with a big ins company, preferably one you would never use, and pretend ur gettin a quote, and when they ask you any claims in the last x years, say yes but on ur fathers policy and would that count, try churchill or direct line, as they may be expensive but they know.

cool, thanks for the idea. But I suspect that different insurance companies may possibly have different policies that apply in my situation

Most of them also share a claims database that they can cross-reference.
Big Bro is watching you!

y would they share a claims database when they r competing against each other? If they do, must be one hell of a job to manage that database in order to allow compatibility with all the different systems the different insurance companies would use and to maintain this!

they all share a national drivers database, which stores your details, DVLA details, insurance details past and present, any claims you have ever had - and convictions you have ever had - etc etc etc

Not sure... If you say this is ur first car an you've got 0 NCB they might not bother....

You'll only get into a problem when you get into an accident...

One of the first things insurance co. do is to check your record before sorting your claim...

I would ask yourself ... Is it worth the Risk ?
If you dont declare and have an accident you have 50% chance or more of them not paying out ... dont have an accident and you have no problem