Do you have to tell car insurance company if repair is paid for by other party?

BaDaR_2

If i was at your place then i won't inform them.

few months ago my brother car was hit in car park while he was away and the person who hit stayed there until my bro came back. he gave his detail and then my bro called his insuranse. few days later they took the car away for repair and gave my bro courtesy car. last month when he renew his insurance. premium jumpd from £400 year to £1300 a year. so he looked at comparesion site and got qoute of 700 with another company, he then requested his NCB....he didn't lose NCB but to his surpise they put the detail of that accident on NCB and say NOT AT Fault..and new company increased the premium by £100 and even my bro wasn't at fault.

so my advise to you is...if your husband can settle the matter without involving the insurance company then ask him to do it otherwise it will be on NCB and will stay there for 5 years and his premium will increase.

mikey72

McKneff wrote: »

But they do...............

They have ways and means, could be even through the garages etc.

Would you like to chance it.

Personally, me, yes.

Unless you actually shop yourself, how do they find out?

If you're really worried, if you pay cash, or the third party pays for you, how do they prove it wasn't someone else with a "cloned" car?

katies_mum

BaDaR -my premium increased many years ago when I reported a large scratch on the car - I never claimsed and it was down as no fault claim (thats why I asked the question) its a new car, he has fully protected NCB, £100 excess and premiums are really low as he has never claimed in the past 20 odd years.

I need valium!! my head is spinning from all this..maybe large glass very cold wine and large bar of chocolate would be better..

Been thinking about this - if the bloke is happy to pay it all and car is repaired well (we would get a receipt from the body shop with some sort of guarantee for the work I`m sure) why would the insurance need to know its a dint on bonnet and scratched chipped bumper and think new glass on the light.

mickamike404

Car body repair shops are very expensive,the prices would make you gasp
even for dings or scratch's. IF you can agree compansation from him cash
in hand now, not next week, then it would be end of story,and you can get
it repaired in your own time. If he comes up with a sob story like I have'nt
got enough cash, you will have to go through the proper channels sooner
rather than later, if you haven't allready done so get photo's of the damage
to both vehicle's.

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BaDaR_2

If the bloke is happy to pay for cost then keep it like that and don't have to tell the insurance company....and by not telling them and fixing/repair car our self will not affect insuarnce contract in anyway.

My insurance comapny told me if i have any sratch on my car and want repair my self then it will not afftect my insurance and its not illegal to do like that.

Quentin

katies_mum wrote: »

Do we just tell the insurance - it is for information only!

Yes, you tell them it's for "information only".

You are bound by the conditions of the policy to inform them.

If you don't, then it's a breach which could come back and bite you in future.

Also bear in mind that often more problems are discovered during the repair - so is the bloke able to pay these plus any extra days car hire etc.

If you were dealing with the third party insurers, you would also be wanting reimbursing all your out of pocket expenses (fares/phone calls/compensation for inconvenience/time + petrol involved getting quote(s))

Is the bloke prepared to settle all these?

Your call!

mickamike404

Ps
If you can do it privately do not tell the insurance.

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iolanthe07

I had this happen to me a year ago. Some moppet in a Chelsea tractor scraped all down the side of my parked car. Luckily I was in it, so she couldn't just drive off. I insisted that it went through her insurance company - it did cost a hell of a lot more than she tjhought it would. I also informed my insurance company (as insisted upon by their T & C's). It didn't affect my premium or no claims bonus.

katies_mum

Thanks for all the replies, but am getting conflicting info as to whether or not tell the insurance co - so it seems its our call!! Maybe lets see what happens on Monday when this other bloke has had time to think about it.
Quentin - I appreciate what you are saying and am really grateful for all your advice, but why do we have to tell them if it does get sorted and why would be be in breach if we are happy with end result (may be it me being a little naive but if we tell them and don`t need to it could end up costing us ££ at renewal for something that wasn`t our fault as it goes down as no fault claim! ) I might be missing the point and if I am I`m sorry to be a bit thick.

Quentin

katies_mum wrote: »

why do we have to tell them if it does get sorted and why would be be in breach if we are happy with end result (may be it me being a little naive but if we tell them and don`t need to it could end up costing us ££ at renewal for something that wasn`t our fault as it goes down as no fault claim! ) I might be missing the point and if I am I`m sorry to be a bit thick.

Your policy conditions (which you accepted when you took out the policy) state that you must inform your insurer of incidents like this (even if they don't result in a claim).

As already advised, if you decide not to tell them then you breach the policy. And this could have consequences in the future.

But it's your call!

(You should shop around for the best deal at renewal anyway, irrespective of whether or not this incident does affect your premium)