Claim advice after parked car hit

[ch108]

My Dads parked car was hit by a delivery van today. Driver left details on windscreen. Looks like car will need new wing and bumper, it's not driveable due to tyre rubbing on bumper.

He plans to claim from the delivery companies insurance. However, should he also report this to his own insurance even if he doesn't plan to claim from them?

[DaveH23]

ive never understood these kinds of threads.

Ive never come across a single insurer that doesnt require you to inform them of the accident so why go through the hassle of liasing with the 3rd party when your insurer will do all the donkey work for you.

[BertBert]

Because if you claim two things happen:

1 you lose ncb (depending on whether it's protected or not)
2 you get a higher risk profile

If you just inform, then 1 does not happen.

[Jonno02]

BertBert said:

Because if you claim two things happen:

1 you lose ncb (depending on whether it's protected or not)
2 you get a higher risk profile

If you just inform, then 1 does not happen.

Eh? His dad is not at fault. Come renewal time the standard "have you been involved in an accident, whether fault or non-fault in the past 5 years? comes up. You should not lie about it.

[ch108]

DaveH23 said:

ive never understood these kinds of threads.

Ive never come across a single insurer that doesnt require you to inform them of the accident so why go through the hassle of liasing with the 3rd party when your insurer will do all the donkey work for you.

Not sure why you don't understand this type of thread. I've been extremely lucky that my only involvement with insurance companies over recent years is paying my premiums. And I was asking a question for clarification on a matter that I wasn't sure, which is surely where a forum can help?

For what it's worth I actually agree with you, it's probably the route I would have taken personally, but I wasn't sure of the legal obligation of having to advise your own insurance, if claiming from the other party.

My dad was happy enough to deal with the 3rd party direct, but I've persuaded him to contact his own insurance to advise them of what is happening, which he has now done in the last hour. Hopefully things will get sorted out soon.

Thanks all for your replies.

Edited by ch108 on Wednesday 13th April 21:48

[anonymous-user]

BertBert said:

Because if you claim two things happen:

1 you lose ncb (depending on whether it's protected or not)
2 you get a higher risk profile

If you just inform, then 1 does not happen.

1. Wrong
2. Wrong

Same happened to me. I honed my insurance company. My car got taken away, hire car dropped off. A week later they declared mine a write off, wrote me a cheque and collected the hire car. All costs were collected by my insurance company from the guilty parties insurance company - it's their job.

Kept my no claims as it was an unattended incident, didn't pay any excess and it has absolutely no effect on my quotes even though I have to declare it for 5 years. Bizarrely whilst playing with various quotes on confused, it can even bring the price of quotes down. No idea why.

[BertBert]

Maybe wrong, wrong for you, but I suggest you go and read the thread about the no fault claim dude

bmw535i said:

BertBert said:

Because if you claim two things happen:

1 you lose ncb (depending on whether it's protected or not)
2 you get a higher risk profile

If you just inform, then 1 does not happen.

1. Wrong
2. Wrong

Same happened to me. I honed my insurance company. My car got taken away, hire car dropped off. A week later they declared mine a write off, wrote me a cheque and collected the hire car. All costs were collected by my insurance company from the guilty parties insurance company - it's their job.

Kept my no claims as it was an unattended incident, didn't pay any excess and it has absolutely no effect on my quotes even though I have to declare it for 5 years. Bizarrely whilst playing with various quotes on confused, it can even bring the price of quotes down. No idea why.

[snorky782]

BertBert said:

Maybe wrong, wrong for you, but I suggest you go and read the thread about the no fault claim dude

bmw535i said:

BertBert said:

Because if you claim two things happen:

1 you lose ncb (depending on whether it's protected or not)
2 you get a higher risk profile

If you just inform, then 1 does not happen.

1. Wrong
2. Wrong

Same happened to me. I honed my insurance company. My car got taken away, hire car dropped off. A week later they declared mine a write off, wrote me a cheque and collected the hire car. All costs were collected by my insurance company from the guilty parties insurance company - it's their job.

Kept my no claims as it was an unattended incident, didn't pay any excess and it has absolutely no effect on my quotes even though I have to declare it for 5 years. Bizarrely whilst playing with various quotes on confused, it can even bring the price of quotes down. No idea why.

More pertinently, the fact that his insurance premium didn't rise (and could even fall) after a non-fault claim makes a mockery of all those complaining that all insurers always raise premiums after a non-fault accident.

[Ryusen]

I once watched a Sainsburys delivery driver get stuck in my cul de sac and reverse into a wall not once but three times. The wall was a bent as a butchers hook but he just got out shrugged his shoulders scratched his head and then left.