Accidents, claims and damage in the last five years
You must declare any accidents, claims, losses or damage that occurred within the last five years, regardless of whether it involved your car, motorbike, van or any other motor vehicle, even where you were not at fault, were driving a different vehicle or the incident involved a named driver (even if they have since been removed from the policy).
For example:-
Road traffic accidents
Fire, flood or storm damage
Theft of or from a vehicle
Windscreen/glass claims
Before you buy a policy, insurers may check your claims history with the Claims and Underwriting Exchange. This check helps them to prevent claims fraud.