Car insurance notification?

gorses

The Asda delivery driver reversed into my parked car outside my house, off road, on private land.
Asda have paid for the damage at my local Toyota dealership.
I'm not sure if it went through their insurance. I have no associated paper work or correspondance, only ever spoke to someone at Asda over the phone. I don't even know how much the repair cost.
Do I need to inform my insurers? Doesn't seem relevant to me.

tasticz

Needs to be declared as the question reads



Any claims or losses in the last X years


You inoccured a loss but someone else foot the bill as they were negligent

Nodding_Donkey

Well he hasn't claimed and he hasn't lost anything

Ask the Garage who paid the bill, I doubt if they claimed on their insurance.

tasticz

Nodding_Donkey wrote: »

Well he hasn't claimed and he hasn't lost anything

Do as this and not declare and next time you have accident you'll be asking us what complaints letter to send to get your cancelled policy overturned

Tbh reading below Id say don't bother declaring it sounds as though it could have been a cash settlement with no insurance company involved

Hintza

tasticz wrote: »

Do as this and not declare and next time you have accident you'll be asking us what complaints letter to send to get your cancelled policy overturned

Why would that be the case if it never went through any insurer in the first place?

OP if you wish your premiums to rise for the next 5 years then by all means report it to your insurer.

Richard53

Read your policy wording, and act accordingly. There will be a section requiring you to declare claims, losses etc to them. If they ask you to declare incidents or accidents, whether a claim is made or not (and many do), then you should inform them. If you tell them you were not present when the damage was caused and you have recovered all your consequent losses from the other party, they may just note it and move on.

Worst case if you report it - small increase in premiums over the next couple of years.

Worst case if you don't report it and your insurer gets to know - cancelled policy, and a nightmare getting insurance ever again.

If they only want to know about actual claims, then forget about it. In that case, a phone call to confirm wouldn't hurt.

Your call. If your insurers decide to increase your premiums and can give you written detail of that, you could always take Asda to the Small Claims Court for consequential losses. That way, you would be back where you started, in financial terms.

gorses

Thanks for the advice. Think I'll put it to my current insurer. Not sure what to select when doing market searches though. The drop down boxes offered on most comparison sites are limited.

InsideInsurance

gorses wrote: »

Thanks for the advice. Think I'll put it to my current insurer. Not sure what to select when doing market searches though. The drop down boxes offered on most comparison sites are limited.

But normally includes asking about incidents. You put it down as a non-fault claim.... you claimed from Asda

gorses

InsideInsurance wrote: »

But normally includes asking about incidents. You put it down as a non-fault claim.... you claimed from Asda

Does the public have any access to the databases insurance companies use? Because as far as I know I didn't make a claim. If this incident is recorded as a claim somewhere how would I know?

InsideInsurance

You can make a Subject Access Request to CUE but be aware that not everyone updates it in anything close to real time so something can take a long time to appear.

Of cause insurers can also ask each other in addition to using the db and so in theory you'd have to do a SAR to all UK insurers to be absolutely certain.

gorses

Thanks. Probably easier to ask Asda then!