Rear ended. Should I claim or not?

Captain_Flack.

AdrianC wrote: »

Because, we're told, there's only glass damaged.

Just as I thought you haven't got a clue.

AdrianC

Captain_Flack. wrote: »

Just as I thought you haven't got a clue.

If the stone that hits your bonnet merely chips your paint, would you notify your insurance?

If it's a big stone and puts a sodding great big dent in your bonnet, would you?

Captain_Flack.

AdrianC wrote: »

If the stone that hits your bonnet merely chips your paint, would you notify your insurance?

If it's a big stone and puts a sodding great big dent in your bonnet, would you?

Let's keep on topic, it's not about what I would do is it?

You're clearly trying to give advice on something you don't fully understand and it would be best for the op to ignore you.

AdrianC

Captain_Flack. wrote: »

Let's keep on topic, it's not about what I would do is it?

<chuckle>
For somebody so self-righteous, you seem remarkably reluctant to take your own advice.

Captain_Flack.

AdrianC wrote: »

<chuckle>
For somebody so self-righteous, you seem remarkably reluctant to take your own advice.

The difference is, does the driver of the vehicle who threw up the stone know they did it? Would the report or record it anywhere?

You still haven't shown us you even know what a collusion is.:rotfl:

Ultrasonic

Captain_Flack. wrote: »

You still haven't shown us you even know what a collusion is.:rotfl:

I believe the word you were looking for there is 'collision'

Captain_Flack.

Ultrasonic wrote: »

I believe the word you were looking for there is 'collision'

The wonders of predictive text.

Aretnap

I'd be surprised if your premium went up by anything like £300, and if it does it's probably time to change insurers. Last time I had a play on a price comparison site (if you do this, don't use your real name or car reg number) I found that a single no fault accident would put my lowest quote up by less than a tenner. It may be different if you're already in a high risk group, and if you have a large number of accidents you start to look "accident-prone" even if they're not strictly your fault, but in the main the effect is small.

bigjl

You need to is form them as you need to get you car fixed properly as you are an innocent party.

As said there could be hidden damage caused by the collision

And even though you NCB will not be affected there may be a tiny premium change

Though in the US there used to be a policy of loading the premium of drivers with long periods of no accidents as they reckoned the longer you meant the more likely an accident was to happen to you!

They stopped that policy for obvious reasons

I was rear ended and the wife side swiped within a few weeks of each other a couple of years ago, I don't think it made any difference.

Best to declare it and let the insurance do their thing

bigjl

AdrianC wrote: »

Absolutely not my intent. If you get a windscreen off your own policy, your NCB is not affected, nor is your ongoing premium. That says to me that they don't want to know about glass-only.



Indeed, with a side-order of "How small do you want to go on that?"

How do they repair your windscreen if you don't inform them?

The damage was caused by a collision so insurance needs informing

Most likely scenario is the delivery vehicle hit the rear wiper and popped the glass.