I've just been hit by a third party and having just seen someone elses thread about swiftcover and their problems I wanted to get advice on the best way to proceed. The other driver reversed into my car while I was stationary and thus far has accepted liability, I've got their name, address and policy details and having contacted Swiftcover (my insurers) they've advised I can either go through them and then try to reclaim the costs from the third party or I can go through the third parties insurance company - Zurich. Having seen previous threads it looks like if I go through Swiftcover I have to pay the excess which will be claimed back - is this correct? Swiftcover actually suggested I could go through third parties company but another thread said this invalidates my claim with Swiftcover - urgh! If anyone has any helpful advice I'd appreciate it as Zurich (third parties insurer) are currently shut until Monday so I can't call them to see how they'll handle it.