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
![](http://images.honestjohn.co.uk/imagecache/file/pad/120x120/media/16477727/537450_458533677529584_1473549666_n.jpg)
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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