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Someone collided with my car when I was reversing out of my driveway - will my premium go up?

I was reversing out of my drive on Monday with parked cars either side and mums and kids around as it was school time. My visibility was poor but I was edging out in reverse very carefully. A car coming along the road collided with the rear of my car causing no damage to my car but crumpling his n/s front wing. Although my car has reversing beepers I cannot say he was speeding. I will need to notify my insurers and I suspect the cost of repair to his car - a 15 plate A5 - will make a claim necessary though I have not yet had a quote. As I am not claiming for damage to my car, does this affect my excess? What is the likely increase in premium as I have nine years protected?

Asked on 28 June 2018 by jonnyrobbo

Answered by Honest John
No the excess only applies to damage on your vehicle, not his. The incident is your fault. The highway code advises against reversing out of your drive onto a main road. And yes, if your no claims are not protected, you will lose some and suffer an increase in premium.

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