Commercial lorry hit my car
Discussion
Hi all
A commercial HGV swiped my car while my car was parked yesterday. The damage was quite bad. 1 door will need replacing along with a wingmirror. For context it's a 2025 1 series.
My question is, as the HGV driver is at fault,
if I go direct through their third party insurer to get the car fixed after a non fault accident is that still classed as ‘a claim’ that you have to disclose when you then come renew ur current insurance OR do you only have to declare a claim if you have claimed through your own insurance?
Also - do I need to tell my insurance? Can they find out if I don't say anything to them but claim through the HGV drivers insurance?
A commercial HGV swiped my car while my car was parked yesterday. The damage was quite bad. 1 door will need replacing along with a wingmirror. For context it's a 2025 1 series.
My question is, as the HGV driver is at fault,
if I go direct through their third party insurer to get the car fixed after a non fault accident is that still classed as ‘a claim’ that you have to disclose when you then come renew ur current insurance OR do you only have to declare a claim if you have claimed through your own insurance?
Also - do I need to tell my insurance? Can they find out if I don't say anything to them but claim through the HGV drivers insurance?
I think you have 2 options, let their insurance deal with it all, or let your insurance deal with your bit of it, your insurance will fight your corner harder.
The question these days is something along the lines of "have you had an accident in the last 5 years, irrelevant of who was at fault" so the answer to that is yes.
They go on to ask who was at fault.
The question these days is something along the lines of "have you had an accident in the last 5 years, irrelevant of who was at fault" so the answer to that is yes.
They go on to ask who was at fault.
RedWhiteMonkey said:
Adam10 said:
Surely my premium next year will sky rocket if I claim on my own insurance?
Telling your insurance is not the same as claiming on your insurance. Let your insurer and their insurer talk to each and sort it all out.I had a wing mirror damaged a couple days before a Prius drove into the side of me. There was a whole other thing about me not declaring the prior damage which made the claim bang on for over a year.
The next time I had a cyclist ride into the side of my car whilst stationary I declared it in writing, as "information only - no claim" my insurance went up £70 and they put it on the database anyway meaning it now has to be declared for the next 5 years.
Absolutely never again.
TikTak said:
Beware of that.
I had a wing mirror damaged a couple days before a Prius drove into the side of me. There was a whole other thing about me not declaring the prior damage which made the claim bang on for over a year.
The next time I had a cyclist ride into the side of my car whilst stationary I declared it in writing, as "information only - no claim" my insurance went up £70 and they put it on the database anyway meaning it now has to be declared for the next 5 years.
Absolutely never again.
Blimey. My concern is that if I go through the third party insurer and NOT tell my insurance (for notification only) that my insurance could still find out by way of central database, think it's called CUE?I had a wing mirror damaged a couple days before a Prius drove into the side of me. There was a whole other thing about me not declaring the prior damage which made the claim bang on for over a year.
The next time I had a cyclist ride into the side of my car whilst stationary I declared it in writing, as "information only - no claim" my insurance went up £70 and they put it on the database anyway meaning it now has to be declared for the next 5 years.
Absolutely never again.
Adam10 said:
Blimey. My concern is that if I go through the third party insurer and NOT tell my insurance (for notification only) that my insurance could still find out by way of central database, think it's called CUE?
As already said by someone else at some point in the future you get the "have you had an accident in the last 5 years, irrelevant of who was at fault" question. You are going to have to disclose it at some point, in my opinion it is better to tell your insurer now.Different country (Germany) but I had someone write my car off, it was 100% their fault and not disputed. I informed my insurer and everything was covered by the other party's insurance. I didn't notice any discernible price increase in the following year's insurance.
Exact same thing happened to me about 3 months ago....demolition company van rear ender a big Mercedes pick up thing and pushed it into the back of my Accord whilst parked.
Decided to go through their insurance and informed my insurance company that my car had been damaged whilst unoccupied and stationary and that I was informing them for information only, emphasised I was not making a claim.
A few days later the demolition company contacted me; they had discussed it with their insurance people and wondered if I would accept them paying for my "repair", out with insurance. We both knew my car was not economically repairable, and I snapped their hand off for what was an extremely generous offer.
After that I thought, "damn, wish I hadn't told my own insurance now", but I renewed about a week ago, no impact on price and has not been recorded as a claim; but I do intend to mention the "damage", (not accident) for the required 5 years.
Decided to go through their insurance and informed my insurance company that my car had been damaged whilst unoccupied and stationary and that I was informing them for information only, emphasised I was not making a claim.
A few days later the demolition company contacted me; they had discussed it with their insurance people and wondered if I would accept them paying for my "repair", out with insurance. We both knew my car was not economically repairable, and I snapped their hand off for what was an extremely generous offer.
After that I thought, "damn, wish I hadn't told my own insurance now", but I renewed about a week ago, no impact on price and has not been recorded as a claim; but I do intend to mention the "damage", (not accident) for the required 5 years.
Adam10 said:
Blimey. My concern is that if I go through the third party insurer and NOT tell my insurance (for notification only) that my insurance could still find out by way of central database, think it's called CUE?
If you did it your way then had an accident and wanted your cover to pay for it and they refused because you didn t notify them of this one, would you still be happy?I had a spell of 3 non fault claims over an 8 year period, only ever 2 on the 5 year thing at once but yes it s a pain come renewal time but the amount it went up by compared to the same policy without any non fault claims was nothing really, £50 ish.
RedWhiteMonkey said:
Adam10 said:
Blimey. My concern is that if I go through the third party insurer and NOT tell my insurance (for notification only) that my insurance could still find out by way of central database, think it's called CUE?
As already said by someone else at some point in the future you get the "have you had an accident in the last 5 years, irrelevant of who was at fault" question. You are going to have to disclose it at some point, in my opinion it is better to tell your insurer now.Different country (Germany) but I had someone write my car off, it was 100% their fault and not disputed. I informed my insurer and everything was covered by the other party's insurance. I didn't notice any discernible price increase in the following year's insurance.
Deerfoot said:
Tell your insurance and let them deal with it all.
This 100%. A mate had his van swiped by a truck delivering to his works. Truck company offered to sort it out and get a bodyshop they used to repair it. The repair seemed good at the time, but 18 months later it is failing badly and the truck company and bodyshop don't want to know, as it was off the books.Red9zero said:
This 100%. A mate had his van swiped by a truck delivering to his works. Truck company offered to sort it out and get a bodyshop they used to repair it. The repair seemed good at the time, but 18 months later it is failing badly and the truck company and bodyshop don't want to know, as it was off the books.
Hmm I see your point, just worried about increase in my premiums 
Adam10 said:
Hmm I see your point, just worried about increase in my premiums
Sadly, its life and sometimes you just have to accept it. There is a good chance that it doesn't affect your premium at all. Failing to disclose something until a later date, or not at all, has much bigger consequences.Adam10 said:
Blimey. My concern is that if I go through the third party insurer and NOT tell my insurance (for notification only) that my insurance could still find out by way of central database, think it's called CUE?
As you already know the drill, why are you even asking the question?I've had a few non-fault claims.
hopefully this helps OP
First time, someone drove into the side of me at a roundabout. Claimed on my insurance, third party tried to lie and claim I drove into them. With some basic photos and diagrams the insurer managed to get it all paid by the third party. Had to disclose the claim on all my policies, it has no discernible impact on my premiums on any of them.
Second time, someone drove into our (fairly expensive and nearly new) car. Admitted liability and we got in touch directly with their insurer (NFU). Their insurer literally bent over backwards to provide a decent replacement car and carried out repair at our bodyshop of choice. All fairly painless (even though we were without the car for a few weeks). Had to disclose this as a non-fault claim on all my policies. Again it has had no discernible impact on any premiums.
When I say it had no impact, my premiums might have gone up or down by 5-10% year on year, but given it's a multicar policy with vehicles changing on it all the time, it's hard to isolate.
So I wouldn't overthink it too much. One thing I'll say is when you claim via YOUR insurer, they won't treat it as a non-fault claim until such point that they recover the money from TP or TP's insurer, so I think if I'm in the same situation I'd claim directly off the third party insurer. (that doesn't mean you don't disclose the accident to your insurer in future!)
hopefully this helps OP
First time, someone drove into the side of me at a roundabout. Claimed on my insurance, third party tried to lie and claim I drove into them. With some basic photos and diagrams the insurer managed to get it all paid by the third party. Had to disclose the claim on all my policies, it has no discernible impact on my premiums on any of them.
Second time, someone drove into our (fairly expensive and nearly new) car. Admitted liability and we got in touch directly with their insurer (NFU). Their insurer literally bent over backwards to provide a decent replacement car and carried out repair at our bodyshop of choice. All fairly painless (even though we were without the car for a few weeks). Had to disclose this as a non-fault claim on all my policies. Again it has had no discernible impact on any premiums.
When I say it had no impact, my premiums might have gone up or down by 5-10% year on year, but given it's a multicar policy with vehicles changing on it all the time, it's hard to isolate.
So I wouldn't overthink it too much. One thing I'll say is when you claim via YOUR insurer, they won't treat it as a non-fault claim until such point that they recover the money from TP or TP's insurer, so I think if I'm in the same situation I'd claim directly off the third party insurer. (that doesn't mean you don't disclose the accident to your insurer in future!)
Sheepshanks said:
Adam10 said:
Blimey. My concern is that if I go through the third party insurer and NOT tell my insurance (for notification only) that my insurance could still find out by way of central database, think it's called CUE?
As you already know the drill, why are you even asking the question?You know that you have to TELL your insurance, and of course a central database is there to ensure you do tell them.
CLAIMING is voluntary.
However, not matter what you do here your insurance will go up.
I had a car hit ours while we were parked in a marked bay, back from lines, other cars each side. Despite being well parked and not in the wagon, despite a 'not my fault' claim, despite insurer telling me the (uninsured) other driver was at fault, my insurance is up £80-£100 this year...
Adam10 said:
Deerfoot said:
Tell your insurance and let them deal with it all.
Surely my premium next year will sky rocket if I claim on my own insurance?It may go up it may go down or it may even stay the same and that’s before you shop it.
Either way you will have to answer honestly yes for the next 5 years so may as well go through your own Insurance as that should be a lot less hassle.
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