Hit another car lightly- procedure

textbook

If he was to claim, would it affect my private insurance as I was in a work vehicle?   

Again I wish I'd made sure he had my number.  I gave it to him but not sure he took it, could've psid for small chips privately and found out if any internal damage

DullGreyGuy

textbook said:

If he was to claim, would it affect my private insurance as I was in a work vehicle?   

Again I wish I'd made sure he had my number.  I gave it to him but not sure he took it, could've psid for small chips privately and found out if any internal damage

Unless you want to commit fraud you will be obliged to tell them about the incident before renewing, or if shopping around declaring it then. Thats the same if they claim or not. 

Assuming you dont commit fraud the difference between them claiming or not is going to be minimal given its not directly on your policy so won't impact your NCD etc. 

If you do intend to commit fraud then the risks go up notably if they claim as its likely to be loaded to CUE 

textbook

DullGreyGuy said:

textbook said:

If he was to claim, would it affect my private insurance as I was in a work vehicle?   

Again I wish I'd made sure he had my number.  I gave it to him but not sure he took it, could've psid for small chips privately and found out if any internal damage

Unless you want to commit fraud you will be obliged to tell them about the incident before renewing, or if shopping around declaring it then. Thats the same if they claim or not. 

Assuming you dont commit fraud the difference between them claiming or not is going to be minimal given its not directly on your policy so won't impact your NCD etc. 

If you do intend to commit fraud then the risks go up notably if they claim as its likely to be loaded to CUE 

So no need to tell insurance until Nov when I renew and admitting I reversed into him not he went into me is fine as it's work insurance so won't affect my own insurance.

Iceweasel

So you are not going to tell your own insurance company?

textbook

Iceweasel said:

So you are not going to tell your own insurance company?

It's a work van, should I?

DullGreyGuy

textbook said:

DullGreyGuy said:

textbook said:

If he was to claim, would it affect my private insurance as I was in a work vehicle?   

Again I wish I'd made sure he had my number.  I gave it to him but not sure he took it, could've psid for small chips privately and found out if any internal damage

Unless you want to commit fraud you will be obliged to tell them about the incident before renewing, or if shopping around declaring it then. Thats the same if they claim or not. 

Assuming you dont commit fraud the difference between them claiming or not is going to be minimal given its not directly on your policy so won't impact your NCD etc. 

If you do intend to commit fraud then the risks go up notably if they claim as its likely to be loaded to CUE 

So no need to tell insurance until Nov when I renew and admitting I reversed into him not he went into me is fine as it's work insurance so won't affect my own insurance.

Would need to check your own policy book but most insurers arent interested in accidents in other vehicles until it gets to renewal as there is no prospects of them having to deal with a claim. If you are already on the black list for a former drink driving offence or otherwise limited to specific insurers then they can be more picky about when they must be told as you're on a short leash. 

textbook

DullGreyGuy said:

textbook said:

DullGreyGuy said:

textbook said:

If he was to claim, would it affect my private insurance as I was in a work vehicle?   

Again I wish I'd made sure he had my number.  I gave it to him but not sure he took it, could've psid for small chips privately and found out if any internal damage

Unless you want to commit fraud you will be obliged to tell them about the incident before renewing, or if shopping around declaring it then. Thats the same if they claim or not. 

Assuming you dont commit fraud the difference between them claiming or not is going to be minimal given its not directly on your policy so won't impact your NCD etc. 

If you do intend to commit fraud then the risks go up notably if they claim as its likely to be loaded to CUE 

So no need to tell insurance until Nov when I renew and admitting I reversed into him not he went into me is fine as it's work insurance so won't affect my own insurance.

Would need to check your own policy book but most insurers arent interested in accidents in other vehicles until it gets to renewal as there is no prospects of them having to deal with a claim. If you are already on the black list for a former drink driving offence or otherwise limited to specific insurers then they can be more picky about when they must be told as you're on a short leash. 

Heard nothing from him or my company so gotta assume he's left it by now (ten days). If he hasn't reported by Nov then he never will, so why would anyone report it to insurance unless it absolutely wouldn't affect insurance cost?  

Regarding damage, there's no way of proving his dents are from me or were there before either.  Although my bumper had a bit if white on it I guess.

400ixl

textbook said:

Iceweasel said:

So you are not going to tell your own insurance company?

It's a work van, should I?

What does your work policy say? You could be setting yourself up for gross misconduct if their policy says you must inform them of any incidents with their vehicles. Their insurance may also require them to be informed.

People report it because it is a policy requirement and not doing so can leave them with consequences if the 3rd party claims later (10 days is nothing, but enough to be foul of the policy).

DullGreyGuy

textbook said:

DullGreyGuy said:

textbook said:

DullGreyGuy said:

textbook said:

If he was to claim, would it affect my private insurance as I was in a work vehicle?   

Again I wish I'd made sure he had my number.  I gave it to him but not sure he took it, could've psid for small chips privately and found out if any internal damage

Unless you want to commit fraud you will be obliged to tell them about the incident before renewing, or if shopping around declaring it then. Thats the same if they claim or not. 

Assuming you dont commit fraud the difference between them claiming or not is going to be minimal given its not directly on your policy so won't impact your NCD etc. 

If you do intend to commit fraud then the risks go up notably if they claim as its likely to be loaded to CUE 

So no need to tell insurance until Nov when I renew and admitting I reversed into him not he went into me is fine as it's work insurance so won't affect my own insurance.

Would need to check your own policy book but most insurers arent interested in accidents in other vehicles until it gets to renewal as there is no prospects of them having to deal with a claim. If you are already on the black list for a former drink driving offence or otherwise limited to specific insurers then they can be more picky about when they must be told as you're on a short leash. 

Heard nothing from him or my company so gotta assume he's left it by now (ten days). If he hasn't reported by Nov then he never will, so why would anyone report it to insurance unless it absolutely wouldn't affect insurance cost?  

Because most people dont want to commit fraud? Have had claims surface 18 months+ after an accident so 10 days or even November is no time in claims terms, they have 6 years to claim. 

At the end of the day it's your decision, just dont expect sympathy if an insurer does find out about it and voids your policy. A former policyholder ended up having to pay a 6 figure sum after during a significant claim it was discovered he'd "forgotten" to tell us various things... personal injuries cannot be included in bankruptcy so he has a charge on his home and a large proportion of his wages are automatically paid over before he even receives the money. But he did save himself a couple of hundred quid in premiums by his fraud.