Car Insurance Query

scottishgirl87

My car insurance is due for renewal at the end of the month and I'm obviously trying to beat my current insurer's quote, however, they have been the lowest for the past 2 years.

Anyway, doing my rounds on the comparison websites and currently on GoCompare. Now I posted a couple of weeks ago that my neighbours car rolled down our hill and into the back of mine, both cars unattended. I have made my current insurer aware of this, however, I'm pursuing the claim through my neighbour's insurer and they are paying for repairs, courtesy car, etc. so really my own insurer has had no dealings with it whatsoever.

At the section for "Claims and Convictions" do I choose "Incident - no claim made" or "Accident - driver not at fault and recovered all costs and excess"? If I choose Accident it wants cost details which I don't currently know as I'm still awaiting repair on my vehicle (arranged for next week). Anyone any idea?

forgotmyname

I would choose accident not at fault.

Depending on the wording you are actually making a claim but directly to the 3rd party so i wouldnt choose no claim made.

jackie_w

have your own insurers disallowed or allowed your No Claims Bonus? Some companies will require proof that the third party insurers are taking full responsibility for the claim before they will allow a no claims bonus, even in a clear cut non fault case.

Ask your current insurers what they have the claim noted as, because this is probably what they have shown on the Claims database and take it from there.

InsideInsurance

Accident would be the more accurate description and you can ballpark the costs. Before hitting the big green buy button quickly speak to the insurer in question to make sure they are happy with the option you have selected and if they say you should do something else in these circumstances then follow what they say.