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milancas

Claim or No Claim?

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Hi

I have been involved in very minor car incident where I slightly touched the bumper of the car before me. This was on traffic lights and no damage was done at all (not even a scratch). But the other driver registered this incident with his insurance company and there is a claim case created with my insurance company as a result. The other driver didn’t actually claim any damage and my insurer now gave me back No Claim Bonus as well (after about 11 months from the incident). However their renewal quote is much more expensive now (even with No Claim Bonus intact). I’m assuming this is because of the claim even if there was no damage.

 

I’m shopping around and assuming I still need to mention this claim when asking for a quote? Can you please advise whether that’s’ the case? If so would this claim be considered as settled or not settled?

Thank you

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Yes, I'm afraid you should mention it. If it suddenly became known by the insurer if you eventually had to make a claim, the insurer might try to use it as an excuse for declining liability

 

Of course, what is funny is that the other driver who suffered absolutely no damage at all had really no reason for informing his/her insurer but as they did, they will probably suffer an increase in premiums as well.


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