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Insurance claims
Five per cent lie to protect 'no claims', says Autotrader
Wednesday 18th June 2008: 14:17
Motoring magazine Autotrader has found that small family cars are most likely to be involved in an accident.
Blue vehicles were most likely to be in an accident, with nearly a quarter of accidents involving them, followed by silver vehicles (18%), black vehicles (17%), red vehicles (12%) and green vehicles (11%), according to the research.
A quarter of accidents also involved small family vehicles, followed by large family vehicles (17%), hot hatches (12%), executive vehicles (9%) and supermini’s (8%).
Drivers born under the star sign of Aries – between 21 March and 19 April - are most likely to crash, according to Autortrader, followed by drivers with the star signs Cancer, Taurus and Sagittarius.
The survey, conducted amongst over 1600 UK motorists, shows that one in five motorists have claimed on their car insurance in the past three years, with more than 35% admitting fault.
The most common accidents that respondents claimed for were:
A third party hitting the policyholder’s vehicle – 33%
The policyholder’s vehicle hitting a third party vehicle – 13%
A third party driving into the back of the policyholder’s vehicle – 9%
Skidding on ice/wet roads – 8%
Over 5% of motorists admitted to lying about the cause of an accident to ensure that their ‘no claims’ were protected and premiums wouldn’t go up for their car insurance and 3% have even asked a friend/family member to take the blame for an accident to ensure that ‘no claim’s were protected and premiums wouldn’t go up.
Five per cent of motorists have also lied about old damage to their car, saying that it was done through their most recent accident and having it repaired on the same claim.
Tom White, head of partnerships at Auto Trader, commented: “It is always stressful for motorists when they are involved in an accident. However, if they have a helpful insurance company that can sort out the claim, it can make all the difference.
“It is important for motorists to check their policy carefully to see what the level of cover is and what are included in the policy and what are classed as extras.”