To claim or not to claim? That is the question!

[Waspy]

You told your insurer? Bold move.

My mate pulled out in front of a cyclist (idiot, I know). Damaged his bumper a bit, and agreed with the cyclist to pay for the damage to his bike. No insurance details were exchanged or anything. He called his insurer to let them know. They have taken his no claims off him because the cyclist "could make a claim". They will close it if he does not claim within 3 year. Then he gets his no claims back. Insurance companies are just ridiculous.

[VW BUSH]

You told your insurer? Bold move.

My mate pulled out in front of a cyclist (idiot, I know). Damaged his bumper a bit, and agreed with the cyclist to pay for the damage to his bike. No insurance details were exchanged or anything. He called his insurer to let them know. They have taken his no claims off him because the cyclist "could make a claim". They will close it if he does not claim within 3 year. Then he gets his no claims back. Insurance companies are just ridiculous.

They put a reserve on you just in case the "injured party" comes back an claims.
If you are protected ncb then it puts up your policy for 3 years so its the same thing.
Protected ncb is a fairy story anyway.
Just got to get over it and drive a bit more carefully, get a cushion for the rear shelf

[bobbarley]

I got into an accident a couple of years ago, 50/50 as far as I'm concerned.  We swapped details and then he tried getting cash off me.  I refused and told him he'd have to go through insurance, figuring he wasn't insured as he was foreign and a huge blagger.  I heard nothing, then got a letter from a solicitor saying I was being sued for personal injury as well as damage to his vehicle.  Clearly one of those no win no fee places.

It took a year but my insurer settled with them in the end, saying it was my fault and paid full costs to them.  Although they tried claiming personal injury for a pregnant woman, even though he was alone in the vehicle.  They refused that as I said I'd testify in court that he was on his own.

My NCB was protected though.  As a result I didn't pay a penny extra in insurance, in fact it's continued to go down every year 

[Liam0404]

I told my insurers as an "im getting in there first" sort of thing. They said if I can get a signed doc of the 3rd party they will be fine and just note it as an incident - no claim made. They've been pretty easy tbf, letting me get it assessed at my garage etc. Just how easy the claim will be if I go down that route, I don't know.

[Waspy]

get a signed doc of the 3rd party

Hmm good luck!

I would just expect 3 years of inflated insurance if I was you

[jimjames]

If the insurance are notified then the damage is already done. Even for non fault accidents your premium will increase - crazy I know.

While we were parked car got hit by 3rd party. They accepted full liability and we claimed off their insurance for the damage. It would have cost them or me £200 to get work done as it was cracked bumper.

Despite being non fault my premium has gone up by £100 on both policies so more than the cost of paying from my own pocket. Won't make that mistake again.