My daughter's parked car was hit by a taxi driver- if we claim from his insurer, will her premiums increase?

My daughters Volkswagen Up was parked outside our house when a taxi hit the rear bumper on Christmas Eve. He tried to drive off but the occupants stopped him and I have his details. I contacted the taxi company - he is an owner driver so has his own insurance. I am concerned that if he obtains my daughter's insurance details then a claim will be logged against the car and her premiums will go up - the damage is £280 for a bumper respray. If he claims on his insurance, will I need to inform my daughter's insurance company of a no fault claim? I've heard that some insurance companies increase renewal premiums when this happens. I'm mindful that it may be cheaper to pay for the repairs myself rather than risk a 20-30 per cent premium increase for a 19 year old with a perfect driving history so far.

Asked on 15 January 2018 by richard williams

Answered by Tim Kelly
He cannot pursue a claim from your daughter, as it was his fault. Unfortunately, if you are claiming, you should notify your insurer. If insurers are not involved, then it does not go on CUE (the insurer database that records and affects your premiums). Get the car repaired, have an invoice, then go on claims online and register a claim directly against the driver, not his insurer. As it is then a civil claim, as long as insurers are not involved, “CUE” will not get updated.
Similar questions
My wife's car was hit by another driver while she was stationary. Our insurance premiums have gone up just over £100 for both our cars, plus £500 for our crew cab pick (work vehicle). Do I have a case...
A guy drove into the back of my old trusty Volkswagen while parked and unattended outside of my house. The amount of damage has been enough to be declared a write-off. The driver wishes to pay for the...
The boyfriend of my neighbour's daughter damaged my car lightly. As all parties agreed it was minor damage, I said I'd get a quote and we'd get him to pay the repairer on the day, I had him booked in this...
Related models
Funky little city car. Cheap to run with low CO2. Lively and fun to drive. Large enough for four adults.

 

Value my car