How do claims on fleet policies affect personal car insurance?

[Glitterknickaz]

Unfortunately I smashed up the Motability car in August.

Total bill for my car alone was £3027. Hopefully I'll get the car back tomorrow. I reckon the car I hit was a write off (purely because it was over 10 years old) and the Merc I shoved that into probably suffered minimal damage. I suppose you're looking at up to £6k in total?

Motability Insurance is all part of the hire contract and covered by RSA on a fleet policy.

So, my domestic car insurance is up for renewal on 5th Oct. My current insurers already know and didn't add anything to my premium.

I want to get quotes from other insurers online though, so do I put it down under 'claims' or not, as it's not actually a claim on the policy I'm renewing iygwim?

If the claim is not on the policy to be renewed do you mention it? I realise incorrect facts on the policy can mean they won't pay out... I don't want to do the wrong thing

You have to mention if you've made a claim on any car insurance policy within the time stated (such as 'the last three years'). Insurance is calculated on likely risk and if you've had a recent accident then you are a bigger risk than someone that has made no claims at all. And yes, should they find out you've lied on your application, the consequences can be expensive.

Thanks, appreciate the response.
I wasn't trying to conceal it in any way by the way, I've just never had experience of this so didn't know what to do.