Help with car insurance increase/non declared “accident”

Ectophile

Flight3287462 said:

GrumpyDil said:

Your choice but technically your insurance agreement will state that yu should inform them if any incident, irrespective of whether or not you want to make a claim. 

Do you?

When you kerbed an alloy?  When you hit your gatepost?  When you reversed in to a bollard?

Where do you draw the line?

Realistically anything that does trivial damage, and doesn't involve anybody else.  The moment anyone else's peoperty is damaged there's a risk that it could come back to haunt you years later.

Retrogamer

dudleythegoat said:

Sorted now. Cancelled and declared it and tried again with other insurers and Churchill seem happy to unsure at £30 with the info. Thanks for your help. 

Il remember not to call til someone claims next time if anything minor happens, and to declare this 3mph scratch in future lol

I'd be careful of that. If you don't declare your minor bump then the other party wants to claim years later it will put you in a really bad position.

Dr_Crypto

GrumpyDil said:

Your choice but technically your insurance agreement will state that yu should inform them if any incident, irrespective of whether or not you want to make a claim. 

Yup that’s technically true but in reality I suspect very few people report minor damage that doesn’t involve a third party. If I damage the wife’s car with mine would I report that? Unlikely. We’d just get both vehicles fixed. 

prowla

Insurers love these little games.

Someone bumped my car whilst it was unattended and I had it repaired under insurance; they've now marked it as an "at fault" claim.

facade

prowla said:

Insurers love these little games.

Someone bumped my car whilst it was unattended and I had it repaired under insurance; they've now marked it as an "at fault" claim.

That's because in the Insurance world "at fault" means "we had to pay up, and we can't get the money back off the other driver".

AdrianC

Flight3287462 said:

GrumpyDil said:

Your choice but technically your insurance agreement will state that yu should inform them if any incident, irrespective of whether or not you want to make a claim. 

Do you?

When you kerbed an alloy?  When you hit your gatepost?  When you reversed in to a bollard?

Where do you draw the line?

I'd certainly draw it somewhere that includes an incident I knew the insurance industry were aware of, because I'd notified them myself...