Lying re car accident

I’m sure the last time I insured in the UK I was asked if I had had any accidents, claims or convictions.

Depends on the condition of the car, if you've hit a curb and snapped the suspension its often not worth the repair.
Writing something off is weighing up the cost of the repair against the value of the car, it's why you can buy cars that were insurance write-offs.

So you're with a man who encourages his DS to drug drive? Why are you with him?

I’m pretty sure they ask if you’ve claimed for an accident not had one, as long as he hasn’t made a claim hes not lying.

the whole insurance industry is codology anyway, don't give it a second thought.

Sounds a lot like you are trying to get your DP's son in trouble to be honest @Crikeyalm You clearly dislike him. You will also get your DP into trouble too you know. Don't you care?

Good lord. RTFT.

OP you don't seem to realise that every day people have accidents that they decide aren't worth reporting to their insurers. They just pay themselves. This is normal when you scrape your car or have a small accident as it's often not worth reporting as the amount you get will be less than you end up losing in no claims bonus and premium increase.

This is effectively exactly the same as this man is doing.

By your reasoning everyone should always inform their insurer of every single thing even when not claiming. That's not normal.

An insurance company doesn’t have to ask ‘relevant questions’ to find out a driver’s history. It’s the driver’s legal obligation to disclose anything material, including single party incidents. It’s a rarity in contract law where one party can be guilty by omission.
Clearly that fact is inconvenient for all the posters who think nothing of not fully disclosing to an insurer, but that is the fact.
If you fail to disclose something, you aren’t insured. That would include driving your car into a lampost.
OP, your DP sounds a big part of the problem.

Anyhoo OP. Lampost Drug Gate aside, would it help to talk about your son and DP, it sounds like a difficult dynamic.

Is he lying or did no one ask the relevant questions?

Just read your post and its my 3rd here- I told people here its fraud if you dont tell the insurance co what they ask but so many people have no idea whatsover and I'm hoping they dont drive

Happens all the time op.

Never read so much rubbish in my life.

Everyone, just look up taking out insurance and declaring every accident you have been in within a certain period.

so many people have np idea about driving and their responsivities and what ever insurance co asks when takig out new isnurance

I’m amazed as to how many people seem to think it is ok to walk away from an accident where some property was damaged. It’s both illegal not to report it to the police and fraudulent not to report it to the insurers. People seem really content that a young man can get away with it and not suffer the penalty for risky driving. I don’t want drivers like that on the road and a higher premium may just concentrate their minds a bit. If the OP’s suspicions are correct it is even worse. It could be your property that is damaged next time or a loved one of yours that loses their life in an accident. The premiums for risky drivers are high for a reason.

All insurance policies require you to report any incidents which “could” give rise to a claim and there is a 3 year time period during which a claim can be lodged.

I would suggest he notifies it as an “incident” to cover his back, but be clear no claim is being made.

I would always err on the side of caution with this as you don’t want to end up being refused insurance in the future for failure to declare a material fact. It would make getting any insurance at a reasonable price virtually impossible.

This is coming from someone who used to manage the corporate Insurance programme for a FTSE Top 20 company with a significant motor fleet and was fully aware of the implications of not declaring pertinent information to insurers.

Sadly it didn’t help me when I added my boyfriend to my policy as a named driver but he failed to disclose a prosecution for driving without insurance. When he crashed my car into the back of another and it came to light it was only my ignorance to this that meant the policy wasn’t cancelled outright which would have left me personally on the hook to pay all of the third party costs. Luckily I was able to demonstrate I was unaware and the insurer agreed to meet the other party’s costs but repairs to my car (£3k) I had to pay myself.

Lesson learnt- if in doubt, tell the insurer!!

How damaged was the lamppost? Was it a street light or a wooden telephone pole?

@Crikeyalm and can you tell us what he did about the lamppost OP? Did he report it? Drive away?

I doubt a great deal of investigation will be done about the lamp post tbh as it may not even be reported for days and might require a lot of time to investigate. I work for a haulier and truck drivers are forever damaging street furniture.

If he was, as alleged, under the influence of drugs, then the OP and/or her partner, and/or anyone else who knows this, should report to the police.

I'm not sure how wrecking his life with a criminal record will help unless he seems the type to not learn from his mistakes. Sounds like a good way to end up estranged from your children.

My last comment noted for you @imnotsickbutimnotwell

There's plenty of things one 'should' do in life... reporting an accident to my insurance company, when I don't intend to make a claim, so that they can torture me with premiums for the next 5 years is not something I would be doing.

I had an accident a few years ago, dodged a pheasant and went through a neighbours hedge. Did I pay for the damage? Absolutely. Did I inform my insurance company and the police? Absolutely fucking not. Madness

Tow trucks exist as well you know, he could have had the car towed. Nowhere does it mention he drove away from the scene. Just like it doesn't say he was definitely drug driving.

Council property being damaged is another thing. This should obviously be admitted to and resolved but the OP has been so vague on details we don't know what happened with the lamppost.