My parked car was crashed into!

Strider590

zudecke wrote: »

I really don't buy this at all.

You're advising I do this purely because I'm apparently contractually obligated to, right?

There is NO benefit to me whatsoever from informing my insurer, as we've ascertained from the posts above.

Clearly, this claim is going to be handled by the other party, who are in this case a rental agency. They've given me a courtesy car and agreed to have it fixed in BMW.

So why would I tell my insurer to get the same thing done, but only to face a possible excess and/or premium/loss of NCB?

Just struggling to see the value in the suggestions to inform my insurer...

If the 3rd party insurer does their job, they'll add your vehicle details into the insurance database.... Then it'll be visible to your insurer when they check at renewal time, they won't tell you this, they'll just take your money. THEN if you have an accident, they'll turn around and say "sorry, you didn't tell us about XYZ, your insurance has now been cancelled, goodluck with the costs, seeya"

neilmcl

zudecke wrote: »

I really don't buy this at all.

You're advising I do this purely because I'm apparently contractually obligated to, right?

There is NO benefit to me whatsoever from informing my insurer, as we've ascertained from the posts above.

Clearly, this claim is going to be handled by the other party, who are in this case a rental agency. They've given me a courtesy car and agreed to have it fixed in BMW.

So why would I tell my insurer to get the same thing done, but only to face a possible excess and/or premium/loss of NCB?

Just struggling to see the value in the suggestions to inform my insurer...

No, there is no benefit but as you say you are contractually obliged. Do you not understand what this means?

Also, as far as getting a better hire-car please remember you are legally obliged to mitigate your losses.

hethmar

It is sickening for you. I had something similar last year when someone hit my 18 month old Golf in a car park. No nice note was left though My comprehensive insurance covered it. Though to be fair, it wasnt such bad damage as yours, just a few dents in the rear panel - which still cost over £700 to repair

I can understand your reluctance to tell your insurer but it is probably best course as they can protect your rights in all this mess and handle the claim for you rather than you spending days trying to sort it all out.

FYI, my premium didnt increase at all after I made the claim which surprised me.

redpete

zudecke wrote: »

I really don't buy this at all.

You're advising I do this purely because I'm apparently contractually obligated to, right?

Wrong - note I said it's better that they find out from you than some other way. You mentioned that your car was pushed into a 3rd car. This means that there are at least two other parties involved either of whom might be a route for your insurer finding out about the accident.

luci

Regardless of whether you tell them now, you will have to declare this incident every time you apply for insurance for the next 5 years.

The question usually is, "Have you had any accidents, claims or losses". You have had a non-fault accident which must be declared.

robbies_gal

its not fair but you have to tell them especially if another car was involved theyre bound to claim off your insurance or get them involved in some way

mikey72

zudecke wrote: »

I really don't buy this at all.

You're advising I do this purely because I'm apparently contractually obligated to, right?

There is NO benefit to me whatsoever from informing my insurer, as we've ascertained from the posts above.

Clearly, this claim is going to be handled by the other party, who are in this case a rental agency. They've given me a courtesy car and agreed to have it fixed in BMW.

So why would I tell my insurer to get the same thing done, but only to face a possible excess and/or premium/loss of NCB?

Just struggling to see the value in the suggestions to inform my insurer...

You've aleardy told them, if you don't declare it correctly it'll come back to bite you when your next policy is voided if you claim.

zudecke wrote: »

I think I messed up here.. I should never have accepted the hire car.

Oh well. Now I've got the crappy Hyundai i10 sitting here as well as my beautiful Mini. I spoke to my insurer today - they're saying I should demand it gets fixed at BMW and they send a new, better courtesy car to me by Monday the latest!

zudecke

Guys,

Following the unanimous advice on here, I have informed my insurer, who have put me through to a sort of claims company who apparently deal with everything. They've assured me they'll organise the collection and repair of my vehicle as well as a new, like for like courtesy car.

However, since informing the hire company that I have got my insurer involved, they've actually become quite angry.. saying "we didn't tell our insurer because we thought we dealing with yourself, which is why we gave and you accepted our hire car"..

They're now saying that they will replace the hire care they originally gave me and replace it with a car more alike to what I had (my Mini)...

And also warned me that if I now accept a car from my insurer/broker/claims handler, that I will be liable for the rental costs as he's not gonna pay for me to use a rental when they are a rental company themselves.

Is this true??

daveyjp

You are at liberty to decline the offer of a credit hire car from your claims handling company.

Which claims company?

zudecke

/They're called Accident First Response and they've put me in touch with Enterprise Rent-a-car, who are also offering crap replacement cars!

I'm thinking to just go back to the hire company and take them up on their offer... I've notified my insurer as instructed.. What would be the disadvantages of just dealing with the Hire company that crashed into me?