Bumped the wife's car - who claims ?

[DSLiverpool]

Took the wife's Zoe to the shops, got in, selected reverse and whacked it into the skip that's just been delivered.
My local body shop says its £900 now as its a lease car I'm thinking best to put it in to Renault but the real question is if we go via insurance I assume it's her insurance we advise ? (I'm on it as a named driver)

[DSLiverpool]

Decided to pay myself as its own damage and the premium plus excess will cost more over the years.

[DSLiverpool]

stargazer30 said:

WTF - dude it has a reverse camera and reverse sensors, how on earth did you manage that?!

Who put the skip in my "swing in" area .... no excuses

[DSLiverpool]

InitialDave said:

A skip is so obvious, he must've done it deliberately, therefore it's not an accident.

Problem solved.

In our garden suburb they have camo skips ;-) I spoke to our broker and the incident being on private land has a bearing on what needs to be declared.

[DSLiverpool]

dacouch said:

DSLiverpool said:

In our garden suburb they have camo skips ;-) I spoke to our broker and the incident being on private land has a bearing on what needs to be declared.

Your broker cannot speak for other Insurers.

Some Insurers would want to know about an incident whether it happened on private property or the public highway

Can my broker not (after speaking to them) speak for my insurer? Being only cosmetic is a factor as well as private land in this particular incident and we're still not 100% sure we won't claim.