Hit and run - told insurance but not going for repair

UnsureAboutthis

An uninsured driver rear-ended my stationary car
The police were involved
So I told the insurance
There is very minor damage

I've got a quote and will be able to re-claim my excess as covered by my car ins.

I cant do with the hassle of getting it sprayed, leaving it for a few days etc, etc

I am aware even if I don't go for a repair (so minor as the other cars paint has been cleaned off by me and other don't notice it unless I point it out.) this will count as a "claim."

My question, as it will be zero cost - will that work in my favour ie, insurance will not be as high if the whole claim was lets say for 1k? 

cw8825

Sorry. If you’re not getting it repaired. Why are you needing to pay/reclaim an excess?

ultimatley any claim is taken into consideration when setting policy premium. Nobody here will be able to give exact figures. 

BarelySentientAI

UnsureAboutthis said:

My question, as it will be zero cost - will that work in my favour ie, insurance will not be as high if the whole claim was lets say for 1k? 

Having a claim vs not having a claim is the biggest difference.

After that, the value of the claim can matter a little.

UnsureAboutthis

BarelySentientAI said:

UnsureAboutthis said:

My question, as it will be zero cost - will that work in my favour ie, insurance will not be as high if the whole claim was lets say for 1k? 

Having a claim vs not having a claim is the biggest difference.

After that, the value of the claim can matter a little.

The reason I asked, I recall being asked by what was the total cost of the repair the last time I was hit by an uninsured driver some years ago and that has stuck in my mind. Insurance asks if any accidents in last 5 years and that was years ago and they always asked re costs.

I'm not going ahead with the rapir as its not worth my time, effort and stress.

chrisw

Now you've told the insurance, you'll have to declare it as an accident or incident for the next 5 years anyway.

UnsureAboutthis

chrisw said:

Now you've told the insurance, you'll have to declare it as an accident or incident for the next 5 years anyway.

Many thanks. I'm fully aware of my obligations as I'm the type of person who worries a lot about stuff I may forget when buying car/buildings/travel insurance etc as the last thing I want is to be told our policy is void.