How Long Do You Have To Declare Accidents For Car Insurance HONDA Civic IX Hatchback (FK) (02.2012 - ...)

In the UK, when sorting out your car insurance for your 2012 Honda Civic, you generally need to disclose any accidents or incidents from the past five years. This applies whether the accident was your fault or not, and even if you didn’t make a claim.

Even minor incidents like a fender bender must be declared. Insurers ask about all accidents, regardless of fault or claim status, because these incidents affect their assessment of your risk level. Failing to disclose past accidents can invalidate your policy, leading to cancellation or refusal of future claims.

Regarding how it affects your premium, any claim or accident—even minor ones—can increase your insurance cost. The amount depends on the nature of the accident and your insurer’s policies. Some insurers may increase premiums even for non-fault accidents, as they consider overall risk.

Additional tips:
- You must report any accident to your insurer within 24 to 48 hours, even if you don’t plan to claim, to keep your coverage valid.
- If you forget to declare an old accident, contact your insurer as soon as possible to update your details to avoid penalties.
- Always be honest and upfront about your accident history to avoid future complications.

Declare all accidents from the last five years, report new incidents promptly (within 24 hours), and expect that even minor accidents may increase your premium, though the impact varies by insurer.

This approach will keep your insurance valid and help avoid surprises later on.