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

NeverAgain_2

Call me an old cynic, but I will be amazed if this bloke comes up with the cost of a proper repair plus a hire.

That could easily be £1,000 - he probably thinks the damage can be 'polished out' for £50, or he has a mate who 'knows about cars' who will do it on the cheap.

I would get a quote from my choice of bodyshop, plus the hire, present the total sum to the other party and tell him it has to be paid that day, in cash, no messing.

Otherwise, claim directly off his insurance company, again straight away.

And the last thing you have to do, unfortunately, is tell your insurers for information what you have done.

BaDaR_2

@ NeverAgain

When my brother had accident few months in car park, there was few deep scratchs on rear bumper so they just changed the rear bumper and when he recivae the NCB at end of year, they mention £4000 for that repair...i was like what the hack...my bro bought that car for 2300 2 years ago..insurance company should have offered my bro £2300 and write off the car or keep it with them...lol

McKneff

iolanthe07 wrote: »

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.

this is just about what happened to me.
The scrape on mine was about 3 inch square, down to the metal.
Know how much it was to repair £800 plus VAT. Lucky for the othr insurance company we were going on holiday so we didnt need a hire car.

Show your OH this thread, then talk about it.
Then decide whether you are blatantly going to break your contract with your insurance company

And just for your information Im with the Coop and it didnt affect my premiums.

katies_mum

Getting estimate in writing on Monday from the body shop who gave verbal estimate to hubby today and ask them to include hire car. (hopefully they will give it to me without charging us for writing it out) when we have it will give it to the bloke who hit our car. The outcome of this will decide what we do.

I think this is the best way forward until we know the complete cost and if he is going to pay up but we must give him the chance but will tell him we need cash and then we can settle the bill.

Quentin

You still need to leave the matter "open" till you get your car back from the garage. No bodyshop can absolutely guarantee the final cost/time needed to complete the job (so the hire car may be needed extra time than paid for)

Gene_Hunt_2

Just take the cash if he offers it and say nowt to the insurance. It'll only cost you next year.

neilmcl

Bear in mind that you you may not have to inform your insurers straight away, informing them at your next renewal would be good enough.

Quentin

neilmcl wrote: »

Bear in mind that you you may not have to inform your insurers straight away, informing them at your next renewal would be good enough.

That would be very unusual..

Although different companies have different policies regarding what has to be notified when, but normally any incident that could lead to claim must be notified as soon as possible, and some policies state a qiven timescale for this.

Quentin

ts_aly2000 wrote: »

In short, NO, you don't have to inform your insurers! Just as with your house insurance you don't have to inform them when you break a wine glass.

You don't "have" to do anything.

As long as you accept the consequences!

In the case being discussed here, it is a condition of the insurance policy to inform the insurer about this incident, and any others when seeking a new quotation.

You can't be forced to, but need to know that the word to describe not doing so is "fraud".

Quentin

ts_aly2000 wrote: »

It's not fraud. Fraud is trying to gain a financial advantage through lying.

Not declaring this incident (either now or on future applications) would be exactly that!

(ie. Lying to gain a financial advantage).