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I don't so much have a problem with anyone - but I do need clarification on where I stand, please.

 

My car insurance runs out 9th November and I'd just started looking around for quotes.

Last night I had a minor bump (my fault). I asked the driver to get a quote to see if I can avoid a claim but I'm going to struggle to pay it so it will end up being a claim. So as the claim will happen whilst with my current insurer, I would inform them. That much I know.

 

However, if my repairs (just cosmetic) are not done before 8th November can I still switch to another insurer as of the 9th or am I duty bound to stay with my current insurer for another year?

 

I have a quote already provided by another company (before the crash happened) and I was going to accept it. Could I still accept this quote without mentioning the new, impending claim?

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I have a quote already provided by another company (before the crash happened) and I was going to accept it. Could I still accept this quote without mentioning the new, impending claim?

 

A condition of all policies states that you must notify them of any change in circumstances.

PUTTING IT IN WRITING & KEEPING COPIES IS A MUST FOR SUCCESS

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Yes, you can still swap insurers.

No, you can't avoid telling the new insurer of the bump. (which means they will change the quote anyway)

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