parked car damaged - advice please

DB1904

mutley74 said:

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..

Why risk causing them problems by not declaring it?

laidbackgjr

mutley74 said:

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

Mine was similar before my car was hit in a car park  about 3 years ago and did nearly £2k of damage unwitnessed and no note. My next premium was around £30 more - and now are lower than before the incident. I suspect you'd be pretty unlucky for the extra premiums for a couple of years to be more than the extra £250 you are forking out by fixing it yourself. And if you stick the T&C's and tell them, then you'll have the premium increase whether you claim or not.

Car_54

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?

My insurer wants to know about "any accident, injury, loss or damage".

[Deleted User]

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?

Not declaring an incident (even when no claim is made) is against the Ts & Cs of the account and quite likely to lead to insurance cancellation which is a major factor in insurance being declined in the future as well as being very expensive in future. It will inevitably come out even if by accident or the other person that OP is named on tells their insurer etc 

victor2

I claimed for a replacement window after it was broken in a car park a few years back. Glass claims did not affect your NCD anyway. Have changed insurers since then and when I checked with my current insurer they said they don't need to be made aware of prior glass claims. Slightly different circumstances I know, but at what point does a dent become a notifiable incident? Somewhere between a door dink and broken bumper I suppose.

[Deleted User]

victor2 said:

I claimed for a replacement window after it was broken in a car park a few years back. Glass claims did not affect your NCD anyway. Have changed insurers since then and when I checked with my current insurer they said they don't need to be made aware of prior glass claims. Slightly different circumstances I know, but at what point does a dent become a notifiable incident? Somewhere between a door dink and broken bumper I suppose.

Any incident that involves damage to the car is notifiable. Read the Ts & Cs of your policy for exact wording on the firm's opinion on this

mutley74

Deleted_User said:

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?

Not declaring an incident (even when no claim is made) is against the Ts & Cs of the account and quite likely to lead to insurance cancellation which is a major factor in insurance being declined in the future as well as being very expensive in future. It will inevitably come out even if by accident or the other person that OP is named on tells their insurer etc 

How would insurer be aware?  Its as another person posted above, at what level does damage become notifiable? Does one then start reporting even minor door knocks etc?

The other policy i am named is managed by me, as its my dad's insurance. 

victor2

mutley74 said:

Deleted_User said:

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?

Not declaring an incident (even when no claim is made) is against the Ts & Cs of the account and quite likely to lead to insurance cancellation which is a major factor in insurance being declined in the future as well as being very expensive in future. It will inevitably come out even if by accident or the other person that OP is named on tells their insurer etc 

How would insurer be aware?  Its as another person posted above, at what level does damage become notifiable? Does one then start reporting even minor door knocks etc?

The other policy i am named is managed by me, as its my dad's insurance. 

Assuming you are not intending to claim, tell your insurers (emphasize the not claiming bit) that the bumper was damaged in a car park. You've notified them then, you can even ask if it will affect your renewal cost. Don't suppose they'll want any more information if you're not claiming.

Car_54

victor2 said:

mutley74 said:

Deleted_User said:

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?

Not declaring an incident (even when no claim is made) is against the Ts & Cs of the account and quite likely to lead to insurance cancellation which is a major factor in insurance being declined in the future as well as being very expensive in future. It will inevitably come out even if by accident or the other person that OP is named on tells their insurer etc 

How would insurer be aware?  Its as another person posted above, at what level does damage become notifiable? Does one then start reporting even minor door knocks etc?

The other policy i am named is managed by me, as its my dad's insurance. 

Assuming you are not intending to claim, tell your insurers (emphasize the not claiming bit) that the bumper was damaged in a car park. You've notified them then, you can even ask if it will affect your renewal cost. Don't suppose they'll want any more information if you're not claiming.

The call centre person cannot possibly know that. But it may not stop him answering.

DB1904

mutley74 said:

Deleted_User said:

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?

Not declaring an incident (even when no claim is made) is against the Ts & Cs of the account and quite likely to lead to insurance cancellation which is a major factor in insurance being declined in the future as well as being very expensive in future. It will inevitably come out even if by accident or the other person that OP is named on tells their insurer etc 

How would insurer be aware?  Its as another person posted above, at what level does damage become notifiable? Does one then start reporting even minor door knocks etc?

The other policy i am named is managed by me, as its my dad's insurance. 

As you're considering insurance fraud on multiple occasions, regardless of advice. Maybe this thread should be closed.