Car Accident, responsibility accepted by the other party, repair arranged, Any catch?

[Darren_Test]

Allianz..thanks

[Benny]

A little bird once told me that if you are involved in an accident even if it is not your fault statistics show there is an increased probability of your being in further accidents. Your insurance company may adjust your premium to cater for this increased risk. Consequently I'd keep quiet.

I hope this is twaddle, but just in case, like.

This is true

Wife got backed into in a supermarket car park while shopping inside
Repaired under the other drivers insurance but on renewal of a policy on another of my cars Admiral loaded £50 on the premium for the person driving
as a "no fault claim" - it wasn't info voluntered as it didn't seem relevant but they knew about it from a shared database

Think you should load your claim for £50 x 4 (or however many years they ask the details of prev accidents question)

By this logic green cars are statistically more likely to be involved in an accident ergo drivers of green cars should have a higher premium

[TykeMerc]

A little bird once told me that if you are involved in an accident even if it is not your fault statistics show there is an increased probability of your being in further accidents. Your insurance company may adjust your premium to cater for this increased risk. Consequently I'd keep quiet.

I hope this is twaddle, but just in case, like.

1. Your insurance cost WILL be higher next year, there's nothing you can do about it and you must declare the accident when asked about any accidents in the previous 3 or 5 years. The premiums are set on risk figures and if you've had a knock you're statistically more likely to have another one.

2. If you do keep quiet about it and are caught then expect to have any existing insurances revoked and possibly be prosecuted for fraud, your choice.

[northernladuk]

What has your car being under warranty got to do with accident damaged bumpers?!?

[northernladuk]

A little bird once told me that if you are involved in an accident even if it is not your fault statistics show there is an increased probability of your being in further accidents. Your insurance company may adjust your premium to cater for this increased risk. Consequently I'd keep quiet.

I hope this is twaddle, but just in case, like.

Unfortunately it isn't twaddle...

Rise In Premiums Following a Non Fault Accident

Insurer assumptions leave holes that you can exploit - Telegraph

Car insurance: no-fault claims are the Elephant in the room | Money | theguardian.com

[Wanderer]

Any one had similar experience? What should I do? Will it affect my no-claims? Should I contact my insurer?

Yes! You do need to contact your insurer.

The scenario is that at renewal time you would have to declare the crash anyway and if you don't and you have an at fault crash they will check the claims database and find out that you had an undeclared claim and then try to wriggle out of paying you. Declare it to them, they WILL find out if you don't declare it and you have a claim.

It doesn't affect your no-claims bonus but the NCB is a load of tulip anyway because they can put your premium up even if you haven't lost any NCB!!

Will your premium go up? Maybe, maybe not. Try entering some test details into the online quote system and see if the amount of the quote changes if you have had a non-fault accident.

Why is the other party so eager to fix your car for you? Because if you go to your own insurance company then your insurance company will absolutely spank the other company for a gold plated repair service (from which they get a kick back in the way of a "referral fee") and an over priced courtesy car (for which they get another referral fee) for you to use while yours is off the road.

Likewise, your insurer will get a huge kickback from a no win no fee lawyer that they pass your details on to (probably without telling you too).

It's a bulltulip game they all play and the insurers hate it but since all the other insurers are doing it then they have to join in or they get caned.

[ZARDOZ]

Hmmm,
"Statistically more likely to have an accident even if it wasn't your fault"

I think what this means is many/a sizable minority cause accidents by the way they drive even if someone else hits them. For example someone very heavy on the brakes, speeds, or is lazy with indicators is probably going to be in more accidents even if it looks on paper like they they are blameless. They are assuming that, which is IMHO unfair.

On the whole a good driver is not going to be at a higher risk.


As for mobile repairer, hmmm, you won't get a top notch repair from one of those. If the car is worth anything you want a proper body shop. He's looking at paying sub £100 and you get hit for a premium rise if you aren't careful. He won you lost.

As for mentioning every little accident, that's just an excuse for the insurance company to re-rate you. For example, should I tell them if I hit a shopping trolly in a supermarket car park, kerb a wheel, run over a Rabbit, reverse into my garage door. All could result in a trip to the body shop but IMHO none of their fecking business if I sort it.

[vetran]

paint has to baked on most new cars to harden properly, especially with lacquer.

If the crash has been reported to any insurance company its on the system, if you don't mention it they will when it comes to claiming.


Claims and Underwriting Exchange

[Fandango]

Another really perverse fact relating to premiums is that it looks like if you say you car is securely parked away in a garage every night then its more expensive than saying you leave it on the street!!

https://www.confused.com/car-insuran...t-drivers-more

[ZARDOZ]

Another really perverse fact relating to premiums is that it looks like if you say you car is securely parked away in a garage every night then its more expensive than saying you leave it on the street!!

https://www.confused.com/car-insuran...t-drivers-more

Interesting, I know for a fact mone is cheaper because it's in the garage as I checked, parking on the drive made little difference. Obviously depends on where you live and gender. A busy street is unlikely to have a Garage so prehaps they are assuming the insuree is lying and therefore more risky.