Insurance - is this collision now "on record"?
Discussion
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.
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.
If they reported it to their insurance then my best guess would be that, that information in in their shared database & you will need to share it with yours & declare on renewal.
Declare it as a non-fault no claim with zero value & it won't change anything.
In spite of what others will CLAIM on here a non-fault claim rarely makes any difference & will only generally make a difference if there are multiple claims that basically increase your risk profile.
I have a non-fault write off that cost their insurer virtually £6000 from last year & my insurance went down on renewal.
Declare it as a non-fault no claim with zero value & it won't change anything.
In spite of what others will CLAIM on here a non-fault claim rarely makes any difference & will only generally make a difference if there are multiple claims that basically increase your risk profile.
I have a non-fault write off that cost their insurer virtually £6000 from last year & my insurance went down on renewal.
E-bmw said:
Declare it as a non-fault no claim with zero value & it won't change anything.
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. 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 said:
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.
Mad Maximus said:
It’s not worth the risk of being caught out now so I would tell them just incase. It’s a s
te and unfair system but not a lot you can do.
Mad Maximus is right, but so is e-BMW. A singe non-fault no-cost claim is highly unlikely to make any difference to your insurance premium next year and not the tragedy many think it is. I had a non-fault claim of an alleged incident when a total CUNextTuesday alleged I had reversed into his car and put in a highly inflated claim against me. Long story cut short was that my insurance company told him to Foxtrot Oscar and my premium dropped substantially the following year. te and unfair system but not a lot you can do. In short: play it with a straight bat, declare it and don't lose any sleep over it.
Yes, I would tell your insurance company, not only for the reasons given above but just case they tell their insurance company you ran into the back of them. It won't be the first time someone has taken full responsibility at the scene and decided to change their story. Hopefully you have witnesses to confirm what really happened. Sadly, I'm speaking from experience.
You can request your data from CUE (Claims and Underwriting Exchange Database)
https://www.mib.org.uk/media/471189/data-subject-a...
https://www.mib.org.uk/media/471189/data-subject-a...
It’s an accident. Even if you don’t claim and they don’t. In my first hand experience of an all but identical scenario you will likely get stung and you will be on the database.
Had I renewed it would have cost me several hundred quid to be in a parked car and get hit by a pensioner reversing. The upside is that you can shop around and not renew with your current insurer if they try to screw you, which is what I did.
Had I renewed it would have cost me several hundred quid to be in a parked car and get hit by a pensioner reversing. The upside is that you can shop around and not renew with your current insurer if they try to screw you, which is what I did.
fatjon said:
It’s an accident. Even if you don’t claim and they don’t. In my first hand experience of an all but identical scenario you will likely get stung and you will be on the database.
Had I renewed it would have cost me several hundred quid to be in a parked car and get hit by a pensioner reversing. The upside is that you can shop around and not renew with your current insurer if they try to screw you, which is what I did.
You got stung, others may not, you cannot generalise, every risk is differentHad I renewed it would have cost me several hundred quid to be in a parked car and get hit by a pensioner reversing. The upside is that you can shop around and not renew with your current insurer if they try to screw you, which is what I did.
To not inform your insurers OP is a risk I'd personally (like others) wouldn't take and telling them + giving them the ODs details is due-dilligence. In the discussion you should also request your insurers send you a printed letter you are not at fault.
Why? Years ago knowing autoglass is covered I got a windscreen replaced and a couple years later when I was doing new policy I forgot to inform said new insurer. They saw in the DB, contacted me and said because I had not informed them I could pay them an extra £500 or have no cover due to fraud.
Lesson learned.
Why? Years ago knowing autoglass is covered I got a windscreen replaced and a couple years later when I was doing new policy I forgot to inform said new insurer. They saw in the DB, contacted me and said because I had not informed them I could pay them an extra £500 or have no cover due to fraud.
Lesson learned.
Steve-B said:
To not inform your insurers OP is a risk I'd personally (like others) wouldn't take and telling them + giving them the ODs details is due-dilligence. In the discussion you should also request your insurers send you a printed letter you are not at fault.
Why? Years ago knowing autoglass is covered I got a windscreen replaced and a couple years later when I was doing new policy I forgot to inform said new insurer. They saw in the DB, contacted me and said because I had not informed them I could pay them an extra £500 or have no cover due to fraud.
Lesson learned.
Glass replacement is not normally notifiable unless they specifically askWhy? Years ago knowing autoglass is covered I got a windscreen replaced and a couple years later when I was doing new policy I forgot to inform said new insurer. They saw in the DB, contacted me and said because I had not informed them I could pay them an extra £500 or have no cover due to fraud.
Lesson learned.
Edited by martinbiz on Tuesday 23 April 18:26
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