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I've phoned my insurer and told them what's happened but for information only, and that I won't be claiming from them, hopefully I haven't screwed that up

flimper wrote: ↑Mon Apr 22, 2024 4:10 pm I've phoned my insurer and told them what's happened but for information only, and that I won't be claiming from them, hopefully I haven't screwed that up

I think you have, they will note that you have now been in an accident and this may increase your premium, could be wrong but think its what happens

Mark, show Will @ TWG, and get him to get a quote from his bodyshop man. The dude did a beautiful job on my M bumper painting it silvergrey for my old 3.0si back in the day - it cost £350 all done. I've no doubt he'd be able to sort that out for less than a grand, using BMW paint too.

Thanks Ed, will do

Ole gits rule wrote: ↑Mon Apr 22, 2024 5:26 pm

flimper wrote: ↑Mon Apr 22, 2024 4:10 pm I've phoned my insurer and told them what's happened but for information only, and that I won't be claiming from them, hopefully I haven't screwed that up

I think you have, they will note that you have now been in an accident and this may increase your premium, could be wrong but think its what happens

Exactly this. Because you have notified them it’s classed as an “incident”.

Ole gits rule wrote: ↑Mon Apr 22, 2024 5:26 pm

flimper wrote: ↑Mon Apr 22, 2024 4:10 pm I've phoned my insurer and told them what's happened but for information only, and that I won't be claiming from them, hopefully I haven't screwed that up

I think you have, they will note that you have now been in an accident and this may increase your premium, could be wrong but think its what happens

I used to think that as well, but not sure now. Also the data would have been logged on the 'system' now by the neighbours insurance company anyway

2020 I had a non-fault accident on my motorbike - all costs were paid by the other party.
Along came my renewal, and was pleasantly surprised to find no increase.
Then my wife's car insurance renewal, again no increase

The only increase was on my Z4 renewal (about 15%). When I asked why they said 'as I'd had an accident'

I shopped around and got it £60 cheaper than my previous (pre accident) price.

Members more experienced in these matters may be able to advise

The important thing to remember from a legal point of view is that your neighbour is liable to you for the damage he’s caused. Your claim is against him and he is protected by an indemnity from his insurance company. It’s up to you whether to involve your insurer, but you shouldn’t have to. It might be better for neighbour relationships if you do go through your respective insurers, but this is the only benefit for you.

flimper wrote: ↑Mon Apr 22, 2024 4:10 pm I've phoned my insurer and told them what's happened but for information only, and that I won't be claiming from them, hopefully I haven't screwed that up

If you are definitely going through the insurance route then you have done the right thing.
As the neighbour has admitted fault then you can now deal directly through their insurance company.

It's easier to deal directly with their insurance company and if you don't need a courtesy car then that will give you more leverage with where you get it repaired. They seem to bend the knee a little more when dealing directly with the person they need to compensate.

Your own insurance company will always deal with it as if they have to pay for the damages because essentially they will until they put the claim into the other insurance company with the final bill.

I'm sorry to see that Mark.

Someone drove into the back of my 3 Series last year and I claimed from his insurer so I wouldn't have a claim recorded on my policy. Sadly they made it a Cat N because the bodyshop they recommended padded out their estimate. They were also really mean with their valuation, but other than that it all worked out fine.

I'm just renewing through Saga and they told me a non-fault claim wouldn't affect the premium with my insurer Acromas. But they wanted a copy of an MOT Pass Certificate after the accident because it was Cat a N.

Hope you get a good outcome.

j3nks79 wrote: ↑Mon Apr 22, 2024 6:11 pm

Ole gits rule wrote: ↑Mon Apr 22, 2024 5:26 pm

flimper wrote: ↑Mon Apr 22, 2024 4:10 pm I've phoned my insurer and told them what's happened but for information only, and that I won't be claiming from them, hopefully I haven't screwed that up

I think you have, they will note that you have now been in an accident and this may increase your premium, could be wrong but think its what happens

Exactly this. Because you have notified them it’s classed as an “incident”.

Yep. Any call to insurers these days to 'find out about a claim' goes down as an "incident". And they will generally increase premiums by 20% for the next 5 years. It will be put on the insurance database aswell so changing insurers won't make any difference.

In 2024 having any kind of claim, whether 100% non-fault or not, WILL adversely affect your premium for many years to come. It will affect the neighbour's more (quite rightly) but you will still pay.

In this situation it is a direct 'risk' scenario. By leaving your car near to a complete muppet who obviously can't drive, you have increased YOUR risk. The insurance will look at it as though it could easily happen again and next time maybe you will not be able to claim against the third party, so their theoretical risk is increased.

I have a friend who had a similar thing....his next door neighbour drove his van round to park in the friend's driveway (he was doing some work for him so needed tools). The neighbour reversed into my friend's car while getting out. The neighbour wanted to claim on insurance so they did.
This was around 5 years ago and my friend's premiums have been 25% more since (over and above the yearly increase).

He is not very happy with his neighbour, strangely enough!

Basically, muppet neighbours cost you money. Simples.

Mr Tidy wrote: ↑Mon Apr 22, 2024 7:34 pm I'm sorry to see that Mark.

Someone drove into the back of my 3 Series last year and I claimed from his insurer so I wouldn't have a claim recorded on my policy. Sadly they made it a Cat N because the bodyshop they recommended padded out their estimate. They were also really mean with their valuation, but other than that it all worked out fine.

I'm just renewing through Saga and they told me a non-fault claim wouldn't affect the premium with my insurer Acromas. But they wanted a copy of an MOT Pass Certificate after the accident because it was Cat a N.

Hope you get a good outcome.

Well it seems Saga were telling porkies because they put the premium up nearly £20 and added £50 to the excess - thieving gits!

Still from what Pondy said maybe it could have been worse.

Zedebee wrote: ↑Mon Apr 22, 2024 4:08 pm Hopefully Mr Tidy will be on soon, as he has some background in insurance. My understanding is that you should just hold the neighbour responsible, claim off him directly and it’s up to him to get his insurer involved. There should not be any need to involve your insurer who will inevitably bump up premiums etc. I may be wrong though.

This is pretty spot on to a degree, my insurance company said they would hold the information on file but I had to tell them the car had been in an accident/incident even though I wasn’t in the car. They said they wouldn’t hold it against me claim wise as the other parties insurance contacted me directly and took full responsibility, they also asked me not to claim my own insurance. My insurance was due 20ish days later, I’d already had my renewal quote and it didn’t increase a penny after I had spoken to them.

Other company was LV, I’m insured by BMW

Mr Tidy wrote: ↑Tue Apr 23, 2024 6:47 pm Well it seems Saga were telling porkies because they put the premium up nearly £20 and added £50 to the excess - thieving gits!

Saga are great! I got six months FREE insurance on my F31 the other day thanks to their cock up.

Downside is I have been driving around in an uninsured F31 for nearly 4 months. Their computer decided to not process the change over from my Z3 to the F31 back in January. Funny, though, cos they took the additional premium.

Only a letter from from the MIB (Motor Insurance Bureau, apparently) highlighted it.