Had a very small bump but don't want to lose no claims.

[Deleted User]

Hi nj106
Just had a chat with my pal in u/w again. We'd want to be informed, and if you told us upfront that you were covering the costs and didn't want us involved then that would be fine. But its worth contacting your insurer and telling them that this is the case, because if the 3rd party changes their mind further down the line then you are at least on record withthe incident. As for the solution around your insurer paying and you paying back, I don't think we would be able to do that, as there are so many other costs involved. I think its either inform and claim, or inform and don't claim. does that make sense?

Becca

JDMYOFAN

Yep that makes sense... It just seems pointless informing my provider if I'm not going to claim.. It's a hit against my name and therefore an increased premium in future quotes for 5 years!

Keith

nj106 wrote: »

The KA I hit had unpainted bumpers.

Give your local Ford dealer a call and ask for a price on a replacement bumper, then call a local bodyshop and ask how much to fit it. It's a case of just unbolting it as far as I know

Conor_3

Keith wrote: »

As I understand it, if he approachs the other party and settles their losses, and the insurance company does not pay out anything then he will maintain his NCB. The NCB is only lost when a claim is made against the insurance company and it can not reclaim the money it pays out.

When it comes to insurance renewal time, the OP will be asked if they've had an accident. They must answer yes as they have even though they've paid out themselves. Not to do so would be to make false statement although whether or not you get caught is another matter. This may not affect the premium as one of the types of claim settlement covers the effect that there was no payout or claim made on the policy.

You can see this by putting in for a quote through any of the screen scraper sites, saying yes to an accident then going through the list that comes up.