Insurance - is this collision now "on record"?

Insurance - is this collision now "on record"?

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Discussion

Bennet

Original Poster:

2,125 posts

132 months

Monday 22nd April
quotequote all
Hi.

Someone reversed into me whilst I was stationary. (Bizarre story really. They were engaging in a road rage incident with a pedestrian at the time.)

- My bumper is a bit scuffed. Their car is undamaged.
- They have taken full responsibility.
- They have reported the incident to their insurer, including my name and possibly registration plate.
- I am not planning to make any claim in relation to this, and neither are they.

From a pragmatic (rather than contractual) point of view, should I declare this incident to my insurer now, and for the next 5 years at renewal?

For clarity, if they hadn't already given the game away by reporting this, I wouldn't even be considering it.

Is this now on a database somewhere and will come back to bite if I don't declare it and then need to make an actual claim in the future?

Thanks.




Bennet

Original Poster:

2,125 posts

132 months

Monday 22nd April
quotequote all
TwigtheWonderkid said:
I think this needs to read "might not change anything", or even "probably won't change anything". But you can't say it won't change anything, because some insurers do charge extra for a non fault no cost incident.
Hi Twig. Appreciate the above.

Do you happen to have any insight on the "is this now on the database" question?

Thanks.

Bennet

Original Poster:

2,125 posts

132 months

Tuesday 23rd April
quotequote all
TwigtheWonderkid said:
If the other party have reported the incident to their insurers, with your vehicle and name as the third party, then yes, it is on the database.
Thanks for this, and thanks to all.