Car Accident, need help!

dacouch

tinkerbell28 wrote: »

I genuinely cannot believe people are so simple.

Op declares an at fault accident, his premium will go through the roof for the foreseeable future. That effect will last years, until it drops off. Much more than £300.

Insurers can quite easily decide they are not happy with the repair, as it doesn't meet set standards, or is classed as a modification as it was not done by an approved garage. This is where the excess comes in, if op has not repaired the car at all or to the standard expected and he does not get a cancellation.

Then insurers share databases. The fact he initially tried to hide declaring the accident and may well end up with a cancellation, would be recorded and shared, hiking up his premium even more.

Op, I'd take your query to pistonheads or something. You'll have people tie themselves in knots, trying to insist your best option is to go to the insurance. For £300 they are barking, your premiums will rocket.

Your previous as well as current post contain mistakes which need to be corrected.

The OP may have protected no claims bonus and a relatively low premium in which case the effect on their premiums could well be considerably lower than £300, it would not be unheard of for one fault accident to be ignored.

Dismissing using the Insurer without knowing their exact circumstances eg size of premium, whether protected or not and previous loss history is making big assumptions

Accident repairs would not be regarded as a modification by any Insurer unless you had altered the car

I repeat the OP will only be liable for any excess if they decide to claim for their repairs to their own car, if they only claim for the third party damage there is no excess.

Trying to negotiate with a third party for low value damage is very common and is not necessarily an issue with an Insurer. It tends to be an issue when there's an injury involved due to court protocols which a delay can prejudice. For late notified accidents the Insurer will normally ask for an explanation from the client. The situation the OP has been in would be acceptable with the vast majority of Insurers.

The Insurer is extremely unlikely to cancel the policy due to late notification of an accident such as this and also extremely unlikely to notify C.U.E or Hunter databases.