Should I tell my insurance company that I hit a deer?
A friend of mine recently hit a deer, which caused minor damage to the car and none to the deer. Should all accidents, no matter how minor, be reported to the insurance company even if the cost is below the excess?
Asked on 23 June 2012 by SJ, via email
Answered by
Honest John
If no one else was involved apart from the deer and it will cost less than £500 to repair the car, then it makes no sense to report it to the insurer. They would put a claim against your record, regard you as an increased risk (whether they pay any money or not) and increase your premium for the next five years.
We give you the low down on how to save on insurance, little-known tricks and tips, what insurance groups mean and how to use insurance aggregators to beat insurers.
Insurance group finder and how to save on insuranceSimilar questions
We are taking delivery of a brand new VW campervan and planning on taking it to Europe in September.
The VW warranty provides breakdown cover in Europe for 3 years but I don't believe it extends to repatriation...
A friend was involved in an accident involving a motorcyclist. When driving slowly in the outside lane, a motorcyclist filtering on the nearside of the car hit the side of his car fell off into the road....
This morning my side mirror hit another car’s side mirror. The other driver took my insurance details and said her mirror is supposed to fold automatically but now doesn’t.
If she files an insurance...
Elsewhere on 
