had a car crash not my fault

chris123

My car insurance is due for renewal on March 2nd. As always used this site to find a better quote and took out insurance with new provider yesterday to start on March 2nd. When asked if I had claimed in the last 5 years I said no and I have maximum no claims bonus, which is all true. However, on my way to work this morning a lady in a Corsa hit me from behind whilst I was waiting at an island. Cut and dried her fault she accepted responsibility and off I went home to call my existing insurer. All is going through nicely, my car has gone to the repairers and a courtesy car is on its way.

So the question is, have I now lost my no claims cause I have claimed using my fully comp insurance. ( no its not protected ) Should I now call back my new insurers and tell them or have I nothing to be concerned about. When asked if you have made a claim in the 5 years will this incident now reflect on future insurance quotes.

any advice always appreciated

regards Chris

iceicebaby

You need to decalre all material facts so yes you do need to tell them

morlandbanks

You do have to report it. Personally, when I had a non fault accident, I called HER insureres and made them sort it all out. The car was a write off, they sorted out a hire car and settled the claim. No problems. My insurance didn't go up.

Astaroth

I would never say any case is cut and dry on liability until you have it in writing from the insurance company that liability isnt disputed.

If your NCD is affected is down to the insurance companies involved. With some insurers they will automatically load this type of incident as non-fault/ non-NCD affecting as long as you had all the TPs details when registering the claim. Others (and the majority) follow the standard practice of counting all claims as fault until they have their money back in their hand.

The best thing to do would be to call your new insurers and see what they say.

chris123

Thanks every one I probably knew all that any way suppose I just needed to be told. Thanks once again

Chris