hit by others but dont want to claim

xyz123

hi

sorry i should have said car hit by others in subject but can't change subject of topic now...

my car was hit from back and there is a dent while it was parked. do i need to tell this to my insurer? i dont want to claim for this, as i dont think its worth the high increase in my premium

if i notify my insurer, will i still get my no claims discount? also are there nay other possible downside to notifying insurer?

thanks
J

Wyndham

Do you know who did it? If the person who did it notifies their insurer, then yours will get involved whether you like it or not.

You don't have to claim but then you obviously pay the full bill yourself. After saying that, if you go to a garage and say it is an insurance claim, often you get quoted a higher price than if you say you are paying for it yourself. If you are not going to claim then I don't think it's worth telling the insurance company. And a no claims discount is just that - 'no claim', not 'no blame'.

xyz123

Wyndham wrote: »

Do you know who did it? If the person who did it notifies their insurer, then yours will get involved whether you like it or not.

You don't have to claim but then you obviously pay the full bill yourself. After saying that, if you go to a garage and say it is an insurance claim, often you get quoted a higher price than if you say you are paying for it yourself. If you are not going to claim then I don't think it's worth telling the insurance company. And a no claims discount is just that - 'no claim', not 'no blame'.

what do u think abt telling my insurer? i dont know who did it and car's about 8 years old so i am not really bothered with a dent in the back.

mikey72

If you tell them you will have to declare it for 5 years as well. Your premium may well be loaded. The claim would be less than your excess probably. If you did decide to not notice it, they're never going to know, and life will be a lot easier.

xyz123

mikey72 wrote: »

If you tell them you will have to declare it for 5 years as well. Your premium may well be loaded. The claim would be less than your excess probably. If you did decide to not notice it, they're never going to know, and life will be a lot easier.

how do i declare it? whenever i fill in a form for quote they ask if i have made a claim in last 5 years. they dont ask about any "non-claim" damanges do they? quote for repair is much higher compared to my access (damage of around £800 (as per toyota car garage) compared to access of £300)

thanks

lisyloo

If you tell them you will have to declare it for 5 years as well.

Generally it's 3 years for claims/accidents/losses (5 for convictions), although individual insurers can ask different questions so you need to pay attention to the questions.

Technically you should probably tell your insurer as it is an accident/collision.
Pesonally I don't think I would even notice it was there on an old car.

Quentin

There are some risks in not telling your insurer, so weigh them up and decide what action if any you want to take:

1) As already posted the third party may have already reported the incident to their own insurer.

2) The third party might try it on, and claim you hit his car. By the time you get traced (via your insurer) your failure to report the incident could be looked at to your detriment in deciding liability

3) You are supposed to notify this type of thing in your policy conditions, so failure to do so is your breach of the agreed ts + cs.

Try some on line virtual quotes with and without this incident and see if having it on your history makes any difference to the premium to help you in your decision.