What is life like with your car? Let us know and win £500 in John Lewis vouchers | No thanks
Do I have to inform my own insurance company about a no-fault accident?
My car was badly damaged all along its offside while it was correctly parked on the public highway. I was at a meeting some 200 yards away, when I returned the driver responsible had left a note on my windscreen with his details, admitting full liability. His Insurance Company is handling all matters; the overall cost, with my car hire, is some £ 5000. They have asked for the name of my insurance company and my policy number and advised me to inform my own insurers of the damage-only accident. I have a claim-free record, with my insurance due for renewal in three months. Why should I inform my insurer if the other driver and his insurer have admitted full liability (in writing)? Do I need to and is it likely to affect my up-coming premium at renewal?
Asked on 29 June 2017 by Robert007
Answered by
Honest John
Unfortunately, yes. You do have to make your insurer aware. Make them aware that you are calling them purely for "notification" purpose only, and yes it can affect your policy. If it does, claim the increase in premium for the next five years from the at fault insurer. If more people start doing this then they may revise their stance on the very large con. What I would do is call them and put a "hypothetical" situation to them first and ask the same question. Get them to confirm the response in writing. I would then follow their recommendations. Technically, the at fault insurer has no right to request your insurer details unless it has need for them, you can by all rights refuse, but they can still easily check anyhow.
We give you the low down on how to save on insurance, little-known tricks and tips, what insurance groups mean and how to use insurance aggregators to beat insurers.
Insurance group finder and how to save on insuranceSimilar questions
Last December, my son's neighbour reversed into my car, which was parked across the road from him. My car was repaired by the neighbour's insurer after he admitted full responsibility, and I approached...
Someone has reversed into my daughter's car while she was stationary in car park. It caused £300 of damage to her car. We have notified her insurer, who are processing it as a no-fault claim. However,...
My daughter recently notified her insurer, Hastings Direct, of her change of address for the remaining three months of her insurance policy. She then received a confirmation message from Hastings, followed...
Elsewhere on 
.jpg)
