Car bump not my fault - do I have to tell my Insurance provider?? 11 July 2022 at 1:52PM in Insurance & life assurance 4 replies 122 views

johnsg

Hello, 
Last summer I parked my car in a supermarket car park. When I came out, a driverless parked car had rolled into mine and caused damage. The other car owner came out, they admitted fault (hand brake wasn't on).

My car was repaired at the dealership I bought the car from, they handled everything including dealing with the other owner's insurance. There was no cost to me, the other owner's insurance paid for everything, it cost my insurer nothing.

Now my next year premium is due. Do I have to mention this incident to my insurer?

I'm bothered that if I don't, somehow my next year cover might be invalid.
John. 

Sandtree

Yes, and it would be high risk to "forget" to mention it given an insurance claim was made and therefore is fairly likely in shared resources like CUE

user1977

johnsg said:

Now my next year premium is due. Do I have to mention this incident to my insurer?

You need to truthfully answer the relevant question at renewal. Which almost certainly does cover this sort of incident.

400ixl

If it asks if you have made any claims or had an accidents then you have to answer yes, as you have still claimed, be it against a 3rd party. When you fill in the details it will be a non fault claim.

johnsg

Thanks everyone, sensible advice.