Car accident with 0 no claims?

olly300

Andy_Zse wrote: »

The damage is more cosmetic than dangerous. Mine is fixed now, minus me getting a bit of paint to touch up some scuffs.

And you know because you are a car mechanic?

Andy_Zse wrote: »

She's still waiting for the quote. If it is £600 or thereabouts, I'm definitely going through the insurance. If it only makes £40 difference, it's gonna work out a lot cheaper in the long run than paying £600 out now.

I've tried using the "your insurance will go up too", but I don't think it will change her mind. Not even sure she believes me but that's up to her.

She wants a car that is safe.

As she is prone to being around friends who drive into her car and the next time the accident is more serious if evidence is found of an inadequate fix, than her insurer won't play nice.

McKneff

Andy_Zse wrote: »

Thanks for the quick reply. Sorry I missed a bit out about my insurance. I was a named driver on the other policy, not the policy owner. I was gonna try the dummy quote but I have no idea where to start putting that in!

I don't understand the bit about no excess? I'm not sure what TP means either? Would I not have to pay the £350?

I thought that might be the case with the garage quote. I've told her I think that's a bit excessive for what is probably 10 mins work. She's gonna get a few other quotes.

You are bound by your insurance contract and also the policy holder to inform your insurnace company whether you claim or not.

Further down the line, if the incident end up on the national data base, then the shoite will really hit the fan when you have a claim and its denied because of non disclosure.

Like I say, both you and the policy holder.