Putting in a claim

Sandtree

Cheechee said:

I didn't feel it necessary to tell the insurance companies but it's all got a bit messy now and I'm feeling stressed because i don't like doing anything wrong.

You had a contractual obligation to both companies to inform them irrespective if you feel its necessary or not. So you need to inform both insurance companies however the claim would be made on your old insurance company as its made against the insurer at the time of the incident. 

Expect both to be unhappy in the delay in reporting but your new insurers are the ones more likely to take action for you having failed to inform of the change in circumstances before the inception of the policy.

What is your excess if you are talking about the claim only being £260? Appreciate prices go up when insurers are involved but for many that would be below their excess and so unclaimable.

If you want to lessen the impact you could attempt to claim directly from the third party's insurer if you know who they are and they've informed them of the incident. 

[Deleted User]

I'd just pay to get it fixed. If you claim on insurance you are probably going to be back here complaining that your policy was cancelled and now the cheapest quote is astronomical.

Cheechee

I'm not claiming on my insurance.  The third party has admitted fault so I wanted to suggest that the insurance companies sort it out, ie, the third party's insurance pays for the damage.

I'm going to have a chat with the third party today and try to sort this out.  I don't think they reported it to their insurance company either

iwb100

Pay the £260 yourself and in future report any damage or accidents to your insurer immediately regardless of whether you intend to claim or not. I suspect that if you do try and go through insurance it will cost you way more than £260 in this scenario. Either through increased premiums or via needing new insurance entirely.

Sandtree

Cheechee said:

I'm not claiming on my insurance.  The third party has admitted fault so I wanted to suggest that the insurance companies sort it out, ie, the third party's insurance pays for the damage.

I'm going to have a chat with the third party today and try to sort this out.  I don't think they reported it to their insurance company either

Why are you using the plural form then?

Either...

1) You claim from your insurance, your insurance then counter claims from their insurance; or

2) You claim directly from their insurance.

There is no scenario where your insurance is involved that doesn't involve you claiming on your policy. Insurers don't offer an introduction service where they get the TPI to admit liability and then pass it over to you to deal with them directly.