Yes, you are strictly required to declare all traffic accidents, collisions, and insurance claims to your provider during policy renewals or when applying for new coverage, even if you paid for a protected no-claims bonus. While purchasing bonus protection shields your specific discount tier from dropping after an at-fault accident, it does not erase the accident from your formal claims history log. Insurance underwriters evaluate your total accident frequency alongside other risk metrics when calculating baseline rates, and failing to disclose an incident when asked can void your policy for misrepresentation.
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