Do I have to inform my own insurance company about a no-fault accident?

My car was badly damaged all along its offside while it was correctly parked on the public highway. I was at a meeting some 200 yards away, when I returned the driver responsible had left a note on my windscreen with his details, admitting full liability. His Insurance Company is handling all matters; the overall cost, with my car hire, is some £ 5000. They have asked for the name of my insurance company and my policy number and advised me to inform my own insurers of the damage-only accident. I have a claim-free record, with my insurance due for renewal in three months. Why should I inform my insurer if the other driver and his insurer have admitted full liability (in writing)? Do I need to and is it likely to affect my up-coming premium at renewal?

Asked on 29 June 2017 by Robert007

Answered by Honest John

Unfortunately, yes. You do have to make your insurer aware. Make them aware that you are calling them purely for "notification" purpose only, and yes it can affect your policy. If it does, claim the increase in premium for the next five years from the at fault insurer. If more people start doing this then they may revise their stance on the very large con. What I would do is call them and put a "hypothetical" situation to them first and ask the same question. Get them to confirm the response in writing. I would then follow their recommendations. Technically, the at fault insurer has no right to request your insurer details unless it has need for them, you can by all rights refuse, but they can still easily check anyhow.

Tags: legal and consumer advice insurance insurance premiums

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