Car damaged while parked

westcountry_saver

Hi looking for advice please
My car was parked outside my house when my neighbours car, which was parked outside his house rolled down the hill for about 30 meters and hit the back of mine. He contacted his insurance company and admitted he was at fault even though the hand brake was on ( though not in gear). I spoke to his insurance company to give them my car details and they told me not to bother with contacting my insurance company. I am a bit worried about this as I think I should tell them even though I won't be claiming through my insurance. I haven't been able to read my policy yet, so was wondering if this is correct.
Thanks

George_Michael

You are normally legally obliged to tell your insurance company of any accident, incident or claim regardless of blame.
If you took the advice of the person you spoke to and didn't tell your insurers, this could well come back and bite you in the ar5e if they were to find the info on the insurance claims database as they could decide to cancel your policy.

westcountry_saver

Thanks. I will call them later. It happened last night

DoaM

Call them to notify them of an incident, give the details, and then tell them you'll be making a claim directly off the other party's insurer ... there'll be no claim made against your own insurance - you are merely calling them to notify them of the incident as it is a requirement of your policy to do so.

Ant555

Although it is not fair, I have read that many insurance companies might penalise you at renewal time for 'incidents'. Not as much as no-fault or at-fault claim but it's still a factor they look at.

Also, I believe that any and all incidents are recorded on the CUE database for any future insurers to view - some believe that ringing up and asking what your excess is, will be considered an 'incident' and recorded.

You can apply to see what info is held about you relating to any car ins/home ins/personal injury/industrial illness incidents or claims since 1994 by filling out a form and paying the £10 fee.

albo_uk

A lot of insurance companies are now penalising drivers who have had an accident even though it wasnt their fault
My insurance did that to me even though it was not my fault

missile

Those who have had a no fault accident are a higher risk. Statistically they are more likely to have another.