Hit by an uninsured driver - will this affect my premiums?.
Discussion
I was involved in a low speed (10-15mph?) bump with someone today. 100% their fault and No major damage (dent the full length of a rear door - had to give it a good pull to get it open but it functions fine, window goes up and down etc). The Car isn't worth much (£500) and is only insured TPFT (Its used for dog carrying duties/tip runs/shopping trips only and only covers 3-4k a year).
He hit me then tried to drive off (Pretty dangerously too.) but got blocked when he came head on with a fire engine and couldn't get any further.
His car was on foreign plates (Belgium he said? - red/white pressed metal with no EU markings so i'm not sure.) and he refused to give me any details. Insisted his car was insured but he "doesn't usually drive it" and doesn't know the company name. He tried to persuade me to let him leave to "Get the documents". Then reverted to trying to offer me cash. So it was obvious something wasn't right. His daughter tried to give me a UK address for them (Which was on her license) but then said she doesn't actually live there anymore. He refused to give me any details or even talk to me when i told him i wouldn't take the cash.
Police turned up, confirmed what i thought - He was uninsured, The car had been in the UK more than 6 months and was unlicensed, untaxed and had no MOT. He's being dealt with by the police and his car is getting lifted which is all well and good from a legal point of view but i'm not sure where this leaves me.
The damage to my car isn't really worth trying to claim anything for - I'm TPFT so couldn't claim from my own policy anyway. To be honest the damage is that light that if he would have stopped i'd probably have checked that the car was OK then told him to forget about it so i guess its good he was a dick as he's now off the road!.
I know I will have to declare this to my insurance company. Is this likely to affect my premiums on this and other cars at all when it comes to renewal time - which is over the next 1-2 months for both policies so perfect bloody timing!
He hit me then tried to drive off (Pretty dangerously too.) but got blocked when he came head on with a fire engine and couldn't get any further.
His car was on foreign plates (Belgium he said? - red/white pressed metal with no EU markings so i'm not sure.) and he refused to give me any details. Insisted his car was insured but he "doesn't usually drive it" and doesn't know the company name. He tried to persuade me to let him leave to "Get the documents". Then reverted to trying to offer me cash. So it was obvious something wasn't right. His daughter tried to give me a UK address for them (Which was on her license) but then said she doesn't actually live there anymore. He refused to give me any details or even talk to me when i told him i wouldn't take the cash.
Police turned up, confirmed what i thought - He was uninsured, The car had been in the UK more than 6 months and was unlicensed, untaxed and had no MOT. He's being dealt with by the police and his car is getting lifted which is all well and good from a legal point of view but i'm not sure where this leaves me.
The damage to my car isn't really worth trying to claim anything for - I'm TPFT so couldn't claim from my own policy anyway. To be honest the damage is that light that if he would have stopped i'd probably have checked that the car was OK then told him to forget about it so i guess its good he was a dick as he's now off the road!.
I know I will have to declare this to my insurance company. Is this likely to affect my premiums on this and other cars at all when it comes to renewal time - which is over the next 1-2 months for both policies so perfect bloody timing!
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