Cost for bump in car - advice needed

hamishcat

I need some advice. I had a bump in a car park which was my fault. No-one was in the other car so no injuries. I have just had a quote from the people involved as I was going to pay without going through the insurance. The quote is £1200. I am now thinking that it would be better go through the insurance at this price. The problem I have is that it is my sons insurance (his first year of driving) and it will affect his NCD. Would you say going through the insurance would be the most cost effective. Also when he comes to renew next year would he have to say that it was his claim as it was his policy or would it be my claim as the named driver. Same goes for when I renew my own car would I have to declare it or is it just him.

Torry_Quine

You both will have to declare it in future.

fivetide

Torry_Quine wrote: »

You both will have to declare it in future.

This. you declare it as a claim on your policy. He declares it as having an accident.

Best thing is work out what the excess is (probably compulsory, plus voluntary, plus young driver excesses) and the damage it would do to a future quote (ask the meerkats on that one) and working out what stacks up financially.

Legally you are meant to tell the insurance anyway even if you don't claim.

Jack_Regan

fivetide wrote: »

This. you declare it as a claim on your policy. He declares it as having an accident.

Best thing is work out what the excess is (probably compulsory, plus voluntary, plus young driver excesses) and the damage it would do to a future quote (ask the meerkats on that one) and working out what stacks up financially.

Legally you are meant to tell the insurance anyway even if you don't claim.

No the op declares the accident the son declares the claims and loses his no claims.

fivetide

Jack_Regan wrote: »

No the op declares the accident the son declares the claims and loses his no claims.

Correct. I read it as the lad being the named driver for some reason.