VW up - Minor Bump - insurance advice

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Sat 9 Jul 2016 23:30
VW up - Minor Bump - insurance advice - greg1888

Some advice please... - wife involved in very minor side of vehicles scrape with 3p - seems possible 50/50 blame - damage to each vehicle only minor surface scratches (no dents/bumps) - prob repair less than £200 in each instance - 3p wishing to settle if possible outwith insurance with each settling own costs. Is of appeal to avoid NCD/ paperwork/ premium loading issues etc... - vehicles travelling VERY slowly. Would of course advise my insurer "FOR INFORMATION PURPOSES - NOT CLAIM" to ensure complying with policy T&C's - but realise they may still well try and load something come next rnl (insurers being insurers !!). Can anyone see any major pitfalls moving forward?? - many thanks

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Sun 10 Jul 2016 08:23
VW up - Minor Bump - insurance advice - RobJP

Yes, the insurer will probably load the renewal regardless.

But you always shop around at renewal, as 90% of them try bumping up the premium anyway.

Apart from that no, the only possible pitfall is that the other party tries it on, and in a few months makes a claim, saying that your wife was responsible for the accident. As such, I'd recommend doing a letter, to be signed by both parties, which states that they accept that it was a very minor accident with no injuries caused (prevents a whiplash claim down the line), 50/50 responsibility, and that the parties have agrees to be responsible for their own costs. Make sure you have good pictures of the damage to both vehicles.

Only when you have their signature on a piece of paper do you accept their word.

Sad, but necessary these days.

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Sun 10 Jul 2016 10:25
VW up - Minor Bump - insurance advice - greg1888

Many thanks - did think about the whiplash issue further down the line etc....but looking at the circumstances of the minor scrape (vehicle side wheel arches at about 5 mph max) then any insurer that would consider whiplash/personal injury in this instance must be insane ! - but I do take your point.

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