Minor Accident. Other side doesn't want to report.

mrcol1000

My wife had a minor accident yesterday. She reversed at slow speed into a taxi who came behind her just as she was reversing. She admits it was her fault especially as he held his horn down as she got closer and closer and she reversed further back then needed. There was no damage to our car but his car the bumper has come slightly loose at the corner. He didn't seem that bothered and after swapping insurance details my wife asked if he wanted to deal with it outside of insurance. She offered him £30 for repairs. He said he didn't want to claim as his insurance was already high as a taxi driver. So he is going to see how much it will cost and get back to her. The taxi saloon car was 15 years old and the bumper already covered in scratches. He could drive it no problem and it was fully attached apart from one corner.
I think she is on very dodgy grounds and better to report it but she is worried as her insurance is already very high due to the area we live in and she has two years NCB.
Should she report it or just give him some cash for a repair and forget about it?

scheming_gypsy

ok... by the terms and conditions of your insurance you have to tell them

BUT !!!!!!!!!!!!!!!!!!!!!!!!

if you don't tell them and the other party doesn't tell theirs then the accident never happened. Although apparently from some replies that you might get and replies to similar threads, the insurance will know! don't ask how but they will, they just do so you MUST MUST MUST tell them for info only.
Although common sense tells you that's it's an absolute crock of monkey jizz

So basically, it's just down to you and how you feel about it. You have the options of:
1 - go through the insurance
2 - pay cash and tell your insurance company 'for info only' and potentially get penalised for the next 3 - 5 years because she's more than likely to have another accident.
3 - pay cash, forget it ever happened and ban the wife from driving

InsideInsurance

She is required to report it to her insurers anyway even if it is just for information purposes.

Taxis are a pain to deal with in claims, though obviously there are some better ones out there but the majority will look at claiming loss of earnings whilst their vehicle is off the road being repaired. If you do negotiate a settlement yourself you need to ensure that it is full and final settlement and you dont find out that after paying a couple of hundred for a bumper repair that you've then got double that again to pay for loss of earnings, loss of use, reinspection by the local council etc etc.

Dontknowanymore

If he doesnt want to go through insurers, chuck him a score or whatever and be done with it.
I claimed for a minor crash and it's caused me nothing but strife!
And even though it was blatantly not my fault It could still be down as at fault and I will have a nice big hefty premium next year.

korky69

Dontknowanymore wrote: »

If he doesnt want to go through insurers, chuck him a score or whatever and be done with it.
I claimed for a minor crash and it's caused me nothing but strife!
And even though it was blatantly not my fault It could still be down as at fault and I will have a nice big hefty premium next year.

its confusing,
i had a non fault claim 2 years ago, forgot to declare it in a quote, when on the phone to them i remembered when asked "any" claims or accidents and bump, £60ish more i think!
asked why, "more risk factor"

did exactly the same again just now ( i forget, but i only enter at fault) man on other end knew about it, i said id forgot about it and he said no bother it doesn't affect new quote anyway,
same insurer both times?

Dontknowanymore

korky69 wrote: »

its confusing,
i had a non fault claim 2 years ago, forgot to declare it in a quote, when on the phone to them i remembered when asked "any" claims or accidents and bump, £60ish more i think!
asked why, "more risk factor"

did exactly the same again just now ( i forget, but i only enter at fault) man on other end knew about it, i said id forgot about it and he said no bother it doesn't affect new quote anyway,
same insurer both times?

As far as I am concerned, insurers are nothing but con artists themselves.
I would love to know how and why £110 was added on to the remainder of my policy (6 months) just by moving 5 miles down the road, to a nicer, less crime area aswell!
Now I have been charged an extra £68 for moving again, 3 months later.
I also have recently downgraded by car from a 1.8ltr Vauxhall vectra to a 1.2ltr Vauxhall Corsa and apparently my premium is staying the same!

Not to mention they charged me an extra £46 when I took the policy out because I had input the date of being flashed by a camera, not the date that I was given the fine etc.
So my original policy has ended up costing me over £200 than it originally was, and they are online only so can't even speak to someone! Wont be doing that again!

mikey72

Some insurers can do it well.
We swapped from a 1.5 diesel manual to a 1.4 petrol automatic.
£20 total to change.
(When I accidently left the "date purchased car" the same as the old one, I was due a refund, sadly, I changed it to the right date, and paid the £20)

chanz4

i went from normal plat to private £30, private to normal £30, then new car £30 to private plate £30 so agree ripoff. Of course they want you to tell them so they can milk you, but if no one reports will be fine.

korky69

i'm convinced its a racket where they know you've been searching,
get the lowest price and bump, thats not right, bump neither is that, comes up just a few quid shorter,
you gotta discount n they gotta mug :mad:
and yeah, im one!

shortdog

Dontknowanymore wrote: »

I would love to know how and why £110 was added on to the remainder of my policy (6 months) just by moving 5 miles down the road, to a nicer, less crime area aswell!

I paid an extra £100-odd for 5 months insurance when I moved house last year - apparantly the new area "possibly" had more country roads or reported accidents, crimes, etc. I would have accepted that, if I hadn't moved further up the same street, about 100 yards from my old house! Not sure how that works....

scheming_gypsy

you should have told them you were going to park at your old house and see what they said.