??? BUMP - Insurance claim/not claim protocol???

The terms and conditions of your insurance policy will indicate this. If you are unsure you need to call your insurance company and ask as only they can give you a definite answer. My policy does require the company to be notified of ANY convictions and/or accidents/collisions/thefts to/from/of/with the vehicle.

So what if he damages his own car and no other people or property? E.g. hitting a gate post on his drive?

How would that result in "a liability to the insurer"? Clearly it wouldn't, and consequently wouldn't need reporting.

Chris

Chris Whelan wibbled on Sunday 27 December 2009 22:03

I agree. Report it. I've reported every ding that's happened to mine, but 2 were settled without claim. One was someone opening the door a bit too hard and clonking the next car scratching the paint. Owners decided not to worry and were fairly pleased that we'd bothered to seek them out and tell them.

The other was when someone reversed into me in Tescos. They paid me cash (I offered to not claim if they did) and I got a discount paintjob on the bumper for cash to return the favour. Wasn't actually very expensive (around

I don't think incidents without claims affect the insurance that much if at all. In theory the insurance company hasn't lost anything. OTOH they could tick you down a notch as an "unlucky" type likely to cost them more money later. OTOH again, they could equally tick you up a notch for being an honest type. I don't know.

When my new car got dinged resulting in a new door, paintjob and pulling a cill dent it was bloody expensive and that most certainly got claimed for.

But the statement "may result in a liability to the insurer", is still valid even if he decides not to claim. I can't see that there is any difference when the neighbour's car was hit, and they came to an agreement outside the insurance.

If you have accidental damage cover ('Fully comp') you are entitled to claim on your insurance, and so there is a liability to the insurer and you MUST report it as soon as reasonably possible. And you MUST NOT enter into negotiations about the claim without written permission from the insurer (for almost all policies, including mine).

nothing of any relevance.

Honestly, I cannot give you any better advice than to ignore "Roger / Ian T" with extreme prejudice.

It's the Tiscali idiot again.

In article , Duncan Wood writes

If his neighbour decides he wants to put it through the insurance, his (OP's) ins. co will find out anyway. I think it may be best to report it as a 'no-fault' incident and stress it's an informational report, not a claim, in order to preserve his NCD. But premiums next year will be higher nonetheless. And get in there and report it to your (OP's) ins. co. before the neighbour does.

The OP says he has good relations with his neighbour. I think it's far more important to preserve that than worry about a few quid for a dented car.

In article , Mike writes

No. YOU do not claim for anything unless your policy includes accidental damage (which you wouldn't claim because you seem happy that your car is ok, it having been possible to pop the bumper back out).

Your neighbour claims against YOU for the damage to his car, and because you are insured, you pass the claim to your ins co. who will then do all the legwork. If they don't, make them! You've paid them, now let them work for it.

If you receive any correspondence at home regarding this, just forward it to your insurer with a short explanatory cover note ("Please find attached correspondence received at my home address regarding policy xxx indigent report yyy for your attention")

Incidentally, even a very minor bump can cause irreparable damage. Guy drove into the back of my much-loved VW Passat at very low speed. The car appeared undamaged (his, a Fester, was a mess.) Couple of days later I tried to open the boot, and couldn't, and took it to mate who runs a garage. First thing he said was, has anyone bumped into you? The floor pan in the boot was corrugated and the car was written off with unfixable chassis damage. Fester driver's insurance paid up without a murmur.