Do we need to declare 'non-claim' accident when arranging insurance?

Aretnap

Sea_Shell wrote: »

Where is the line between wear and tear and a notifiable incident?? eg small dent/scratch??

I have a couple of minor scratches on my car (I'm crap at parking) which I've never felt the need to tell my insurer about... but wherever the line is it's obvious which side of it smashing your car to pieces and writing it off falls on. Particularly when you've already told your insurer about the accident, so you can hardly say "accident? what accident?" at renewal time.

Something else for the OP to consider is that if her son hit any street furniture or hedges, or left oil on the road surface etc, it's possible that a landowner or the highways agency might make a claim from his insurance at some point. If that happens then he will have little to lose by claiming for his own car as well.

Sea_Shell

Aretnap wrote: »

I have a couple of minor scratches on my car (I'm crap at parking) which I've never felt the need to tell my insurer about... but wherever the line is it's obvious which side of it smashing your car to pieces and writing it off falls on. Particularly when you've already told your insurer about the accident, so you can hardly say "accident? what accident?" at renewal time.

Something else for the OP to consider is that if her son hit any street furniture or hedges, or left oil on the road surface etc, it's possible that a landowner or the highways agency might make a claim from his insurance at some point. If that happens then he will have little to lose by claiming for his own car as well.

Sorry, i didn't mean in OP's circumstances, just in general in response to another reply. I was just posing the question "Where is the line?" How bad does the damage have to be to become notifible if nothing or no-one else involved?