[Luckypants]

You will be on file somewhere as the driver at the time of the accident.

I had two big crashes in the company car (not my fault) declared on personal car insurance and bike, made no difference. Reason I declared it is they know up front and cannot use it to wriggle out of a claim on my personal insurances if I need to make one.

The reason they will give is that you having been involved in an accident is a material fact that affects their assessment of the risk.