I believe you have to notify your insurance company of any crash and if you are considering not telling them, delete this topic.

 

Yes you need to tell them

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Yes, you are required to inform them.

 

But it will go on YOUR insurance as a notification. This can go against you with certain insurance companies.

 

I don't think there is a legal obligation to tell them so it's up to you. I personally wouldn't.

 

I don't think there is a legal obligation to tell them so it's up to you. I personally wouldn't.

Wrong as this can invalidate your insurance

It needs to be declared - https://www.google.co.uk/amp/www.bobatoo.co.uk/blog/disclose-non-fault-claim-getting-new-car-insurance-quote/amp/?client=ms-android-orange-gb

 

Any accident has to be declared whether at fault or not, as already mentioned part of your renewal questions are "have you had an accident within the last 3-5 yrs whether it was your fault or not". All claims made by yourself or against you as a driver will go on to a database that insurers check, I had an accident in a works van and I notified and it made no difference to my premium at all.

 

If you don't inform them and they find out it may invalidate your insurance.

And considering the OP has had the details of the incident recorded I would suggest it was in his best interest to inform his own insurance company asap.

 

I had a similar issue several years ago, someone pulled out into the side of me. Went through the local body shop who resolved everything. Informed my insurance and declared it on subsequent policy applications and my premium has never been affected.

 

This happened to me 2 weeks ago, guy reversed off his drive into the side of my car. Had to tell me insurance company, I was told the same about it being void otherwise. Hastings direct said that this shouldn't affect my premium when it comes to renewal. Although only time will tell

 

I found AXA didn't penalize me when I had a non fault claim.

Admiral added another £200 to the renewal.

 

I did ring them up and inform them. The woman I spoke to could not guarantee it but when/if I come to renewal with them my premium could go up which frankly is absolutely ridiculous. It was totally clear the accident was not my fact and the fact I get penalised because of this is stupid. Hopefully I can move to Adrian Flux/Greenlight/Chris Knots after my first year with the ST.

 

@lspoor

Even if you change company's next year, they will still ask if you have had any incidents so may hike your premium.

 

I did ring them up and inform them. The woman I spoke to could not guarantee it but when/if I come to renewal with them my premium could go up which frankly is absolutely ridiculous. It was totally clear the accident was not my fact and the fact I get penalised because of this is stupid. Hopefully I can move to Adrian Flux/Greenlight/Chris Knots after my first year with the ST.

It's all down to statistics. The stats show that anyone involved in an incident, fault or not, is more likely to be involved in another... therefore you are a higher risk now.

It's the way it is.

 

It's all down to statistics. The stats show that anyone involved in an incident, fault or not, is more likely to be involved in another... therefore you are a higher risk now.

It's the way it is.

It is absolutely ridiculous. How I was stationary in my vehicle and someone reverses into me..does not make me any more likely to be involved in another. I do hate car insurance at times.

 

It is absolutely ridiculous. How I was stationary in my vehicle and someone reverses into me..does not make me any more likely to be involved in another. I do hate car insurance at times.

...but the recorded statistics show otherwise.

It's like you may never be involved in a crash, but a lot of 17-25 year olds are...so the prices for that age bracket are higher. Over time you get better prices, due to accruing your own little record (NCB etc) which helps you individually. But the bigger picture means that overall stats need to be used in order to come up with a baseline quote.