Had a bump - bit of advise please

slyracoon

everlastingspirit wrote: »

Ok so im feeling it may be worth reporting to insurers anyway. Especially if i dont have to pay an excess for a third party claim (i am full comp for info) -anyone able to double confirm this?
Particularly as cost wont be much different.

They were two youngish lads. Checked online and says they are insured but guess always mite not have license or tax, etc which might invalidate insurance.

I have already tried to call earlier - no answer so left them a text. If i dont hear by end of today would most people suggest i just pass details to insurance co?

Thanks for help...

Read my post above. You must tell the insurance company regardless of wether you make a claim or not.

If you do claim then you will have to pay if you were at fault. You won't have to pay if the fault lies with the 3rd party.

wba31

i love this rule "must tell your insurance company regardless..." My father in law hit a post in his car, rang his insurance company to find out how much it would cost to get repaired, they quoted, he told them to leave it - the car is still damaged now.

When his renewal came up they upped his insurance by £100 (it was £150 to start with). he rang them, and they said it was because he'd had an accident within the last year. he told them he never actually claimed, they advised him it was because he had enquired, and they will now take it into consideration...

Gene_Hunt_2

wba31 wrote: »

i love this rule "must tell your insurance company regardless..." My father in law hit a post in his car, rang his insurance company to find out how much it would cost to get repaired, they quoted, he told them to leave it - the car is still damaged now.

When his renewal came up they upped his insurance by £100 (it was £150 to start with). he rang them, and they said it was because he'd had an accident within the last year. he told them he never actually claimed, they advised him it was because he had enquired, and they will now take it into consideration...

He had an at fault collision, what do you expect? A reduction in cost?

slyracoon

wba31 wrote: »

i love this rule "must tell your insurance company regardless..." My father in law hit a post in his car, rang his insurance company to find out how much it would cost to get repaired, they quoted, he told them to leave it - the car is still damaged now.

When his renewal came up they upped his insurance by £100 (it was £150 to start with). he rang them, and they said it was because he'd had an accident within the last year. he told them he never actually claimed, they advised him it was because he had enquired, and they will now take it into consideration...

Yes it will affect his renewal calculation for that insurers internal calculations however he would still have his xx years no claims and would be able to leave to an alternative (cheaper) insurer.

You must report all accidents even if you don't plan to make a claim. Not only is it a requirement in most insurers T+Cs it covers yourself should the third party come back in 6 months time and start claiming personal injury etc.