Hi, I was involved in a accident recently and I am worried about what to do regarding the claim? I have withheld information from my insurer, which I know, if checked will invalidate the third party claim. I built up 6 points in my first two years of driving and had to retake my test. I didn't tell my insurer about this as I had a BMW that cost a fortune to insure and I wouldn't have been unable to run it if they were told. Anyway the lie continued as I didn't know how to correct it, and I have since built 6 years no claims and have a clean licence now, but the retake was less then five years ago. Now a third party is making a claim for repairs and the bill from the insurer has come through at about £3k. I haven't sent the accident form back as I don't want my insurer to check my details.

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