Do I need to complete an insurance claim form too?

cw8825

Paff said:

DullGreyGuy said:

 Paff said:

McKneff said:

You do, however, have to contact your insurance company of the incident and what is happening, 
This is in you contract. Breaching it would cause a lot more trouble further down the line like denying a clain in the future floor non disclosure

I called my insurer to do this and was told that if I wasn't making a claim then it wasn't necessary to tell them.   They said they could take the details and it would be recorded as a 'notification' - but in the future, if changing insurers, I would need to get a letter from them to confirm that is wasn't a claim.  There didn't seem to be a proper or visible procedure for making such a disclosure.

PS  It is my understanding though that the insurers have access to the database of all reported incidents and whether it was your fault or not and whether it resulted in a claim or not, they take it into account when working out your premiums.  Cant win! 

Sounds like you are either talking to a broker or you called one of the many companies that advertise on insurer's claims departments to try and capture non-fault claimants into credit hire/accident management. Your insurers will want to have a record of the incident as it has to be declared for your renewal. 

CUE, the database you mention, is typically used post purchase to validate you have been honest. You seem to be defining "winning" as successfully committing fraud?

Paff said:

chrisw said:

You might as well just tell your insurers and let them deal with it. That's what you pay them for. There is no real benefit going through the third party insurers other than you might not have to pay out your excess in advance.

Thanks but for me, the simplest thing is for his insurer to sort it directly with me.  It’s a simple repair job.   I can’t see how I will have any excess to pay? 

Because when you bought your policy you agreed to pay an excess. Some insurers will waive it in some circumstances but in principle it's payable in any claim for own damages. 



Claiming from the TPI will mean no excess is payable and some even give you a financial incentive to claim from them however note that the main disadvantage is that if something goes wrong with the claim you dont have the right to complain to the Ombudsman as you are not their customer. Claiming from your insurance will often mean the excess is payable and then recoverable from the TPI but you do have access to the ombudsman. Some people will mix and match so may claim their damages from their insurance but as they need something more than a Corsa as a courtesy car they get the TPI to provide hire.

Hi

I’ve no idea about brokers or TPI companies. 

I simply want to understand if procedurally the other driver can put their claim in for the damage they caused to my car and his insurer organise the repair of my car.  That’s why he has insurance? The previous person in this thread has given a helpful perspective on this. 

As I said in my question, I have already spoken to my insurer to tell them about the incident and they said I don’t need to notify them unless I want to start a claim.  

Just to add for clarification, my comment about ‘you can’t win’ was in relation to finding out that a policy holder’s premium will increase even when someone has been negligent and damaged their car!   No interest in fraud!

Yes the insurance for the other driver can take care of the repairs on your behalf

As already explained if anything were to go wrong you have limited options for recourse as you are not their customer

Paff

Thanks everyone who has answered me, I am clear now what I need to do.   Your help is very much appreciated. 

DullGreyGuy

Paff said:

DullGreyGuy said:

 Paff said:

McKneff said:

You do, however, have to contact your insurance company of the incident and what is happening, 
This is in you contract. Breaching it would cause a lot more trouble further down the line like denying a clain in the future floor non disclosure

I called my insurer to do this and was told that if I wasn't making a claim then it wasn't necessary to tell them.   They said they could take the details and it would be recorded as a 'notification' - but in the future, if changing insurers, I would need to get a letter from them to confirm that is wasn't a claim.  There didn't seem to be a proper or visible procedure for making such a disclosure.

PS  It is my understanding though that the insurers have access to the database of all reported incidents and whether it was your fault or not and whether it resulted in a claim or not, they take it into account when working out your premiums.  Cant win! 

Sounds like you are either talking to a broker or you called one of the many companies that advertise on insurer's claims departments to try and capture non-fault claimants into credit hire/accident management. Your insurers will want to have a record of the incident as it has to be declared for your renewal. 

CUE, the database you mention, is typically used post purchase to validate you have been honest. You seem to be defining "winning" as successfully committing fraud?

Paff said:

chrisw said:

You might as well just tell your insurers and let them deal with it. That's what you pay them for. There is no real benefit going through the third party insurers other than you might not have to pay out your excess in advance.

Thanks but for me, the simplest thing is for his insurer to sort it directly with me.  It’s a simple repair job.   I can’t see how I will have any excess to pay? 

Because when you bought your policy you agreed to pay an excess. Some insurers will waive it in some circumstances but in principle it's payable in any claim for own damages. 



Claiming from the TPI will mean no excess is payable and some even give you a financial incentive to claim from them however note that the main disadvantage is that if something goes wrong with the claim you dont have the right to complain to the Ombudsman as you are not their customer. Claiming from your insurance will often mean the excess is payable and then recoverable from the TPI but you do have access to the ombudsman. Some people will mix and match so may claim their damages from their insurance but as they need something more than a Corsa as a courtesy car they get the TPI to provide hire.

Hi

I’ve no idea about brokers or TPI companies. 

I simply want to understand if procedurally the other driver can put their claim in for the damage they caused to my car and his insurer organise the repair of my car.  That’s why he has insurance? The previous person in this thread has given a helpful perspective on this. 

As I said in my question, I have already spoken to my insurer to tell them about the incident and they said I don’t need to notify them unless I want to start a claim.  

Just to add for clarification, my comment about ‘you can’t win’ was in relation to finding out that a policy holder’s premium will increase even when someone has been negligent and damaged their car!   No interest in fraud!

Many people buy from a broker not realising they are... seen many people on here talk about speaking to their car insurers "the RAC" however RAC are not car insurers, they dont even sell car insurance themselves. Instead the RAC license their brand to Budget Insurance Brokers who sell insurance on their behalf as a broker. The actual insurer is the "underwriter" listed on the certificate. 

TPI = Third Party Insurer, ie the insurer of the other party involved in the accident... you are the 1st party, your insurers are the 2nd party and everyone else is a third party. 


The third party, the other driver, will inform their insurers (the TPI) about the incident and they'll discuss liability. If they agree the TP was to blame for the incident then they will almost certainly be happy to deal with you directly, as noted above if you take this route you have no protection from the Ombudsman. 


As to the other point, it's unlikely you spoke to your insurers, all insurers will want a record of any incident you've been involved in. When you get your renewal quote next year make sure it lists this incident in the relevant section else you could be in for a rude awakening if you "forget" to mention it to them and they subsequently find your claim against the third party on CUE

Paff

DullGreyGuy said:

Paff said:

DullGreyGuy said:

 Paff said:

McKneff said:

You do, however, have to contact your insurance company of the incident and what is happening, 
This is in you contract. Breaching it would cause a lot more trouble further down the line like denying a clain in the future floor non disclosure

I called my insurer to do this and was told that if I wasn't making a claim then it wasn't necessary to tell them.   They said they could take the details and it would be recorded as a 'notification' - but in the future, if changing insurers, I would need to get a letter from them to confirm that is wasn't a claim.  There didn't seem to be a proper or visible procedure for making such a disclosure.

PS  It is my understanding though that the insurers have access to the database of all reported incidents and whether it was your fault or not and whether it resulted in a claim or not, they take it into account when working out your premiums.  Cant win! 

Sounds like you are either talking to a broker or you called one of the many companies that advertise on insurer's claims departments to try and capture non-fault claimants into credit hire/accident management. Your insurers will want to have a record of the incident as it has to be declared for your renewal. 

CUE, the database you mention, is typically used post purchase to validate you have been honest. You seem to be defining "winning" as successfully committing fraud?

Paff said:

chrisw said:

You might as well just tell your insurers and let them deal with it. That's what you pay them for. There is no real benefit going through the third party insurers other than you might not have to pay out your excess in advance.

Thanks but for me, the simplest thing is for his insurer to sort it directly with me.  It’s a simple repair job.   I can’t see how I will have any excess to pay? 

Because when you bought your policy you agreed to pay an excess. Some insurers will waive it in some circumstances but in principle it's payable in any claim for own damages. 



Claiming from the TPI will mean no excess is payable and some even give you a financial incentive to claim from them however note that the main disadvantage is that if something goes wrong with the claim you dont have the right to complain to the Ombudsman as you are not their customer. Claiming from your insurance will often mean the excess is payable and then recoverable from the TPI but you do have access to the ombudsman. Some people will mix and match so may claim their damages from their insurance but as they need something more than a Corsa as a courtesy car they get the TPI to provide hire.

Hi

I’ve no idea about brokers or TPI companies. 

I simply want to understand if procedurally the other driver can put their claim in for the damage they caused to my car and his insurer organise the repair of my car.  That’s why he has insurance? The previous person in this thread has given a helpful perspective on this. 

As I said in my question, I have already spoken to my insurer to tell them about the incident and they said I don’t need to notify them unless I want to start a claim.  

Just to add for clarification, my comment about ‘you can’t win’ was in relation to finding out that a policy holder’s premium will increase even when someone has been negligent and damaged their car!   No interest in fraud!

Many people buy from a broker not realising they are... seen many people on here talk about speaking to their car insurers "the RAC" however RAC are not car insurers, they dont even sell car insurance themselves. Instead the RAC license their brand to Budget Insurance Brokers who sell insurance on their behalf as a broker. The actual insurer is the "underwriter" listed on the certificate. 

TPI = Third Party Insurer, ie the insurer of the other party involved in the accident... you are the 1st party, your insurers are the 2nd party and everyone else is a third party. 


The third party, the other driver, will inform their insurers (the TPI) about the incident and they'll discuss liability. If they agree the TP was to blame for the incident then they will almost certainly be happy to deal with you directly, as noted above if you take this route you have no protection from the Ombudsman. 


As to the other point, it's unlikely you spoke to your insurers, all insurers will want a record of any incident you've been involved in. When you get your renewal quote next year make sure it lists this incident in the relevant section else you could be in for a rude awakening if you "forget" to mention it to them and they subsequently find your claim against the third party on CUE

DullGreyGuy said:

Paff said:

DullGreyGuy said:

 Paff said:

McKneff said:

You do, however, have to contact your insurance company of the incident and what is happening, 
This is in you contract. Breaching it would cause a lot more trouble further down the line like denying a clain in the future floor non disclosure

I called my insurer to do this and was told that if I wasn't making a claim then it wasn't necessary to tell them.   They said they could take the details and it would be recorded as a 'notification' - but in the future, if changing insurers, I would need to get a letter from them to confirm that is wasn't a claim.  There didn't seem to be a proper or visible procedure for making such a disclosure.

PS  It is my understanding though that the insurers have access to the database of all reported incidents and whether it was your fault or not and whether it resulted in a claim or not, they take it into account when working out your premiums.  Cant win! 

Sounds like you are either talking to a broker or you called one of the many companies that advertise on insurer's claims departments to try and capture non-fault claimants into credit hire/accident management. Your insurers will want to have a record of the incident as it has to be declared for your renewal. 

CUE, the database you mention, is typically used post purchase to validate you have been honest. You seem to be defining "winning" as successfully committing fraud?

Paff said:

chrisw said:

You might as well just tell your insurers and let them deal with it. That's what you pay them for. There is no real benefit going through the third party insurers other than you might not have to pay out your excess in advance.

Thanks but for me, the simplest thing is for his insurer to sort it directly with me.  It’s a simple repair job.   I can’t see how I will have any excess to pay? 

Because when you bought your policy you agreed to pay an excess. Some insurers will waive it in some circumstances but in principle it's payable in any claim for own damages. 



Claiming from the TPI will mean no excess is payable and some even give you a financial incentive to claim from them however note that the main disadvantage is that if something goes wrong with the claim you dont have the right to complain to the Ombudsman as you are not their customer. Claiming from your insurance will often mean the excess is payable and then recoverable from the TPI but you do have access to the ombudsman. Some people will mix and match so may claim their damages from their insurance but as they need something more than a Corsa as a courtesy car they get the TPI to provide hire.

Hi

I’ve no idea about brokers or TPI companies. 

I simply want to understand if procedurally the other driver can put their claim in for the damage they caused to my car and his insurer organise the repair of my car.  That’s why he has insurance? The previous person in this thread has given a helpful perspective on this. 

As I said in my question, I have already spoken to my insurer to tell them about the incident and they said I don’t need to notify them unless I want to start a claim.  

Just to add for clarification, my comment about ‘you can’t win’ was in relation to finding out that a policy holder’s premium will increase even when someone has been negligent and damaged their car!   No interest in fraud!

Many people buy from a broker not realising they are... seen many people on here talk about speaking to their car insurers "the RAC" however RAC are not car insurers, they dont even sell car insurance themselves. Instead the RAC license their brand to Budget Insurance Brokers who sell insurance on their behalf as a broker. The actual insurer is the "underwriter" listed on the certificate. 

TPI = Third Party Insurer, ie the insurer of the other party involved in the accident... you are the 1st party, your insurers are the 2nd party and everyone else is a third party. 


The third party, the other driver, will inform their insurers (the TPI) about the incident and they'll discuss liability. If they agree the TP was to blame for the incident then they will almost certainly be happy to deal with you directly, as noted above if you take this route you have no protection from the Ombudsman. 


As to the other point, it's unlikely you spoke to your insurers, all insurers will want a record of any incident you've been involved in. When you get your renewal quote next year make sure it lists this incident in the relevant section else you could be in for a rude awakening if you "forget" to mention it to them and they subsequently find your claim against the third party on CUE

Hi DullGreyGuy, thanks for this explanation, it’s  very helpful.  Just to correct you, I did call my insurer! 

GrumpyDil

I don't think I've heard of an insurer saying we don't need to record an accident you have been involved in irrespective of whether or not you claim.  

DullGreyGrey is simply trying to make it clear he would expect the insurer to record the accident albeit as notification only if you claim directly with the TPI so is concerned you run a risk of having a future policy cancelled where an insurer discovers via Cue that you have been involved in an incident and not declared it.

That might be a risk you are comfortable with but a cancelled insurance policy is something you will have to declare until you give up driving and can prove very expensive. 

Paff

GrumpyDil said:

I don't think I've heard of an insurer saying we don't need to record guy an accident you have been involved in irrespective of whether or not you claim.  

DullGreyGrey is simply trying to make it clear he would expect the insurer to record the accident albeit as notification only if you claim directly with the TPI so is concerned you run a risk of having a future policy cancelled where an insurer discovers via Cue that you have been involved in an incident and not declared it.

That might be a risk you are comfortable with but a cancelled insurance policy is something you will have to declare until you give up driving and can prove very expensive. 

Hi, thank you and clarifying this.