I was at the front of a three car pileup, but there was no damage to my car - should I tell my insurer?

I was in stationary traffic when a car drove into the stationary van behind me. There was a lot damage between the car and the van. Although the front of the van tapped my car lightly, there was no damage to my car or the front of the van. I stayed for the police to arrive because it felt wrong to leave the scene and the police took my details. Should I tell my insurer - even though there was no damage (no marks even) to my vehicle or the front of the van?

Asked on 24 December 2017 by Helen Stack

Answered by Honest John
It is up to you whether you claim or not, or contact your insurer. If there is no damage to either vehicle, and you have no intention of claiming, then there is no need to contact your insurer. Check your car carefully for damage. The only time there is a contractual obligation to contact your insurer is when there is the potential for a third party to claim off you for damages you have caused. In that situation, you must contact your insurer.
Similar questions
My vehicle was parked but the handbrake wasn't on properly. It rolled back into a parked car causing a very minor damage. You could see where it had bumped and bent it, which grazed the paint on the bumper...
My wife grazed a BMW while pulling out of a very tight parking spot at a BMW garage. She thought it was very minor and might even just polish out. The same day, a quote came through from BMW at £1600 -...
I saw you mention to someone else that it may be possible to claim for future increases in premiums due to another driver's error. Its been my intention to keep all potentially insurable events a secret...

Value my car

Save £75 on Warranty using code HJ75

with MotorEasy

Get a warranty quote

Save 12% on GAP Insurance

Use HJ21 to save on an ALA policy

See offer