parked car damaged - advice please

mutley74

I was in the supermarket earlier and when I came back someone had hit my car and not left any contact details. 

Driver side wheel arch and corner of  the bumper all the paint and panel is damaged.  The supermarket are checking their CCTV, and no witnesses have come forward to customer services, 
 
I have reported this to the police, as per the supermarket manager advice. 

I got a price from a Bodyshop repair he said £350 as the bumper needs to come off and be repaired. 

My insurance is full comp, 9 yrs no claims,  excess £100. They have  clause being hit when parked does not affect my NCD. 

Welcome any views what is the best approach do I get it repaired myself or go via insurance?

TadleyBaggie

But it might affect future premiums, I'd probably just get it repaired outside of the insurance.

mutley74

TadleyBaggie said:

But it might affect future premiums, I'd probably just get it repaired outside of the insurance.

That was my fear, pay the £100 xs then an increase over the next few years. 

victor2

Many years ago a friend had his car keyed and claimed off his insurance. He had protected NCD, but the insurance went up a lot at renewal time. All the insurance company said was "you should see the premium without your NCD"!

400ixl

You would have at least £250 to put towards any future increases though and spread across multiple years. You are also covered if that £350 quote turns out to be a £500 repair in the end.

McKneff

Don't even think about not telling your insurance. It's in  your terms and conditionathat you must. You risk having future claims declined and no one will insure you going forward. 
Remember, big brother is watching you 

mutley74

400ixl said:

You would have at least £250 to put towards any future increases though and spread across multiple years. You are also covered if that £350 quote turns out to be a £500 repair in the end.

The bodywork garage said he needs to repair the bumper from behind. He said an insurance claim would probably end up replacing the bumper as the car is only a few years old. 

If i went the insurance route I would expect to pay 100xs plus future increases. 
Also I am a named driver on my folks car so an increase for them.  

Not sure what to do..

400ixl

What is your annual policy today? If you have 9 years NCD I can't see it being that high, so any non fault rise is likely to be in the 10's of pounds not hundreds, if at all.

victor2

McKneff said:

Don't even think about not telling your insurance. It's in  your terms and conditionathat you must. You risk having future claims declined and no one will insure you going forward. 
Remember, big brother is watching you 

Don't most insurance quotes ask if the driver has had any accidents or claims in the last x years?

If the OP doesn't claim, that incident wasn't an accident he was involved in, was it?

mutley74

I just renewed my policy last week, premium comp xs 100 with courtesy car and legal £310. 

DB1904

victor2 said:

McKneff said:

Don't even think about not telling your insurance. It's in  your terms and conditionathat you must. You risk having future claims declined and no one will insure you going forward. 
Remember, big brother is watching you 

Don't most insurance quotes ask if the driver has had any accidents or claims in the last x years?

If the OP doesn't claim, that incident wasn't an accident he was involved in, was it?

If you want to get technical it was a incident they'd want to know about.