Royal Mail reversed into new driver, consequences?

[stabilio]

My 18yr old kid passed her test in Jan and is driving our second car currently and the insurance is over £3k as is a bigger engine for a new driver (2L turbo/170ps). A Royal Mail van has just reversed into her as she was driving down a road and the RM driver has admitted fault at the scene.
I'm just wondering how will this affect her insurance going forward even though its not her fault? Will it put hers up or fail to bring it down as much next year?
I haven't seen our car yet but she tells me its just a dent in the side but with Royal Mail, I guess there is no way of doing things outside of an insurance claim

[blue_haddock]

stabilio said:

My 18yr old kid passed her test in Jan and is driving our second car currently and the insurance is over £3k as is a bigger engine for a new driver (2L turbo/170ps). A Royal Mail van has just reversed into her as she was driving down a road and the RM driver has admitted fault at the scene.
I'm just wondering how will this affect her insurance going forward even though its not her fault? Will it put hers up or fail to bring it down as much next year?
I haven't seen our car yet but she tells me its just a dent in the side but with Royal Mail, I guess there is no way of doing things outside of an insurance claim

Well not quite the same but a few years ago i had a british gas van roll into my old Saab 9-5 estate and they were simply fantastic to deal with. They basically had a whole department for dealing with these kinds of issue and bent over backwards to stop m going to an accident management company who would have massively inflated the cost.

They sorted a like for like hire car straight away and once i'd got a couple of quotes they bank transferred payment in lieu of repairs. I then replaced the broken light to make the car legal and ran it with a small dent till it was finally scrapped.

I'd hope that royal mail have something similar due to the size of their fleet so they may be willing to sort it for if you there is no question over liability.

[alscar]

Truth is there is no way of telling and until her renewal quote comes in next year the Insurer won’t as yet know themselves.
It may go up it may go down or it may stay the same - a modest non fault claim may be mitigated by her record then and of course moving Insurers is also an option then.
The above would be the case even if a fault claim.
If RM handle everything then that might reduce the stress levels but it will be through their own Insurer presumably and your Daughter will still need to declare as an incident even if not a claim per se when she comes to renew.
At this stage tbh I would just concentrate on getting the car back to the same shape.

[Wills2]

RM self insure so it should all be kept with them to sort out directly with you.

[alscar]

Wills2 said:

RM self insure so it should all be kept with them to sort out directly with you.

Even if RM put right the Daughters own policy t and c will state whether any incident or claim should still be declared though.
If it says nothing then technically she isn’t doing anything wrong in declaring nothing but if she goes elsewhere for a quote the same question may well be asked.

[stabilio]

Thanks all. I guess we need to inform our own insurance company too or will RM sort it all out?
Apparently they use Strata and they are going to call in the next couple of days?

Edited by stabilio on Wednesday 25th March 14:31

[alscar]

said:

I believe Strata are solicitors who are themselves owned by a large Insurance broker.
I doubt they will be informing your Insurer.
It might be better for you to but “ for information only “ ie you are not making a claim as such.

[Magic919]

You need to let your Insurer know. You can claim using them. The third party might approach you to deal with them directly. That’s up to you.