Car Insurance Claim

ministrymason

I damaged the bonnet on my car a few weeks ago. I rang my insurance company to make a claim. My car is 10 years old so they where going to write it off so i cancelled the claim and fit a new bonnet myself. The insurance company is now charging me £60 more on my new insurance because I didnt mention the claim even though I cancelled it. They said they trear it as I told them voluntary. Can they do this when i cancelled the claim. I'm being penalised for not going forward with the claim. thanks

Citizen-of-Sheldonopolis

I had a similar issue - after weeks of nagging the insurance company they agreed to 'ignore' it.

matthew111

They can do this but you can convince them for not charging you extra for new insurance. Are you renewing your insurance? If yes then why don't you look for other insurance companies - the better ones.

thenudeone

How was the bonnet damaged?

If you hit someone / something else (even something that wasn't itself damaged like a large tree) then your risk profile has changed, because you have had an accident, and more accidents = more risk = higher premiums.

If a paint tin fell on the bonnet in the garage, however, that doesn't change the risk of you having another accident, IMO, so you've a much stronger case for getting them to ignore it.

InsideInsurance

Insurers require you to declare incidents, irrespective of if you claimed for them or not. As such you do need to inform insurers for the next 3-5 years about the incident.