No fault and claiming from other party - what should show on my car insurance?

SarahB16

In July somebody scraped across the front of my parked, stationary car.  I was not in my car at the time.  They admitted liability and wished to go through their insurance and I have received the money from their insurance company for the damage.  

I am concerned that when my car insurance is next up for renewal (in January) this may show as a 'no fault claim' despite not claiming on my car insurance. 

I would be grateful to hear what should show on my records with my car insurance company please?  

Thank you for your help.  

Brie

I thought you were obliged to notify your insurer even if you don't need their assistance.

SarahB16

Brie said:

I thought you were obliged to notify your insurer even if you don't need their assistance.

Yes, I think you are and I have already notified them.  I notified them in July at the time when the other party scraped my car. 

However, my question is what should be correctly showing on my car insurance records bearing in mind that I did not claim from my car insurance company.  

Car_54

It should show as a non-fault claim, as you did claim, albeit not from your own insurer.

Any resulting premium increase will probably be negligible in the context of the inevitable massive inflation!

400ixl

There is a central database that claims get logged to. You will have to declare a non fault claim to any insurer you get a quote from. If it doesn't show on the auto generated renewal you need to advise them of such a claim against a 3rd party.

force_ten1

My insurance shows number of claims 1 type of claim accident. and then the date of the accident and then at the end it states not at fault 

my car was hit on the road outside my house when parked and unoccupied 

and with my insurer this will remain on my policy for four years    

400ixl

You have to declare it for as long as the insurer you are getting a quote from asks. Usually the question is have you have any accidents or claims in the last X years. One insurer may have a different declaration period to another.

Brie

SarahB16 said:

Brie said:

I thought you were obliged to notify your insurer even if you don't need their assistance.

Yes, I think you are and I have already notified them.  I notified them in July at the time when the other party scraped my car. 

However, my question is what should be correctly showing on my car insurance records bearing in mind that I did not claim from my car insurance company.  

Sorry - I had wrongly assumed from your post that you hadn't told them.  

SarahB16

Thank you for your replies and it seems from the replies the only way for this to be recorded is as a 'no-fault claim' even though I didn't even claim from my own insurance company.  It's annoying because from looking online it would appear that my premiums will likely increase because of this.  

Car_54

SarahB16 said:

Thank you for your replies and it seems from the replies the only way for this to be recorded is as a 'no-fault claim' even though I didn't even claim from my own insurance company.  It's annoying because from looking online it would appear that my premiums will likely increase because of this.  

Insurers want to know about accidents or claims so that they can assess the risk of a repetition. Logically, what is important is that you've had an incident and whether you were at fault, not whether you claimed or against whom.

People get hung up about increased premiums, but in my experience a single non-fault claim makes little or no difference.

force_ten1

SarahB16 said:

Thank you for your replies and it seems from the replies the only way for this to be recorded is as a 'no-fault claim' even though I didn't even claim from my own insurance company.  It's annoying because from looking online it would appear that my premiums will likely increase because of this.  

but you still made a claim and that is what you are declaring 

and yes your next years premium may increase because some car insurance companies are using  artificial intelligence for renewal quotes and the system has been told that as somebody that has had a claim In the past means you're statistically more likely to make additional claims in future

regardless of what we think that is just how it is