Insurance claim - not at fault, other driver had company car

Truffles01

Hello all,

Someone reversed into my parked, empty car the other day. She left details; it happened across the road from her house so was also able to discuss in person. My rear wheel arch is dented; car still driveable.

I am hoping to keep the resulting increase in renewal premiums to a minimum, which means keeping the claim cost down. Settling without the insurers wasn't an option as hers was a company car. My insurer has referred me to Albany Assistance, which by all accounts one should avoid like the plague. I'd prefer not to go through my insurer as my excess is high and I don't want to lose my no claims in case there's problems getting the money back or...whatever.

Therefore, I was wondering if I might be able to go directly to the third party's insurer and settle up with them. She had a company car through Lex Autolease, but that doesn't tell me who the insurer is. So:

1) Can I go directly to the third party insurer and see if they want to deal direct? Do people do that?

2) Anyone know who insures Lex Autolease company cars?

Thanks in advance!

rs65

Yes, you can go direct to the other party's insurer.

It probably won't be Lex that insure it. It will be the company that leases it from Lex. Ask the driver who their insurer is.

forgotmyname

Dont forget to inform your insurer of the incident as information only.

Your not making a claim from your policy. So make sure they have recorded it as information only.

Make sure its information only, Or did i say that already

Thats about as much as you can do. Except maybe get quotes with and without this incident. See how much the price increases.
You need to declare it for upto 5 years though.

InsideInsurance

It depends who the company are, many larger companies wont involve insurers in small claims but simply settle them themselves (or have a risk management approach where the broker/ insurer manage the claim but the company themselves pay it).

If you dont know the insurer then you can write to the companies head office with the details of the claim (ie a quote) etc and ask them to provide their insurance details. Address it to the Fleet Manager or something equiv.

thenudeone

You can get the insurance company's details from askmid.com for £4 or so.