My wife confessed to me today that she had been in prang last Thursday, our insurance company have emailed saying: “We’ve been told that your vehicle was involved in an incident on 13 December 2018. At the moment we have the following information about the incident: Location Description: xxxxx. Your Vehicle: xxxx. We have tried to call you to clarify these allegations but we have been unable to reach you. We need you to call us on xxxxx. It is important that we speak to you urgently. If we don’t hear from you within the next 5 days and the information provided to us by the third party suggests the involvement of your vehicle, we will accept responsibility for the incident and settle any third party claim.” She says they both stopped and checked their cars. His door was caved in but she had no damaged, and since he admitted it was his fault, she went on her way. Whilst she is sticking to her story, I have the tiniest nagging doubt, because we have been arguing a lot over our lack of money and I wonder if she’s defending from the huge cash impact of going from 20 years no claims bonus to zero. I therefore wonder if it was more 50-50, or indeed her fault completely, and she just drove off hoping he wouldn’t have time to take our registration number. Questions: If we contact the insurance company to say ‘yes, she was involved, but it was the other guy’s fault’, what happens next – do they just decide it’s his word against hers and leave it at that, or is there a massive instigation? Suppose there is cctv that goes in his favour, does that mean she will be fined by the courts if her story is wildly different? If the case goes in his favour, which is cheapest/best method of paying for his damage: taking out a loan or doing it through the insurance and losing your no claims (if indeed you are allowed to choose?)

Hi my wife was parked behind someone at a junction when they moved forward and slammed the brakes on my wife went into this persons tow bar, there was no damage to that car but ours needed a new front impact dampener and an intercooler, When we came to make a claim we were gutted to discover that our MOT had run out a few weeks earlier so making the insurance void. The insurer as asked me to sign and return a consent and indemnity form to deal with this, On the insurance i am the proposer and my wife is an additional driver who was driving the vehicle at the time. Please advise me if i should sign that form or not, Thank you.