What would you do??

[darich]

A couple of weeks ago I had a very minor bump in my employer's car. No big deal.
I did the necessary at the roadside and exchanged details then we both went on our way.
Damage to my car was minor scrape and dent on rear passenger door, and minor scrape on rear wing and bumper. His large Vauxhall van was unmarked as far as I could see.....he may have had some VERY minor paint damage to his front wheel arch but it was hardly noticeable.
I completed the necessary paperwork back in the office and sent it off to the Risk Management section while the car was taken to the body shop.
As far as my employer is concerned, the car was bumped, I've owned up, declared it and the car is fixed. I have no problems at work regarding this incident.

As for fault.....being totally honest - probably mine. I changed lane to my right and hit him. I'll argue that he was travelling far too fast because I checked my blindspot and he wasn't there (I ride a bike so always do a shoulder check regardless of vehicle I'm in). But it would probably be argued that I still moved into him and his speed was/is irrelevant.

That's the background but here's the question......

Would you tell your own car insurance when renewal came round that you had been in a bump??

[KGB83]

If it was me (easy for me to say possibly) I wouldnt, happened with your work not your own car or fault. Keep it quiet.

[Mike2.0TQ]

No way for me, they will screw you for years!! Had a very minor scrape myself a few years back, reported it at the time but then settled with the other driver not through insurance. Even just reporting it bumped my premium up by 200 quid and I didn't even claim!!

I guess this is through your work insurance and tough won't be named on the insurance database?

[c.grex]

When insurance companies start being far with us, that's when I would be fair back! I have had some real issues with high renewal quotes and once when I made a claim they offered £2000 less than book price and I had to photo copy the glasses guide page to prove the pay out for my car was a joke! I once swapped my car 6 months into a policy and they wanted double other companies for the new car! And then wouldnt give me my no claims proof if I left 6 months in!


Dont tell them!

[zollaf]

agree with everything that has been said, but be careful as not telling them may, and i empasise may, just come back and bite you at some stage in the future.
(in my case it never did, under similar circumstances though, but we won't go into that, poor sharan, rip)

[Eshrules]

Generally, the question is "have you or anyone driving your car been involved in any accident or claim in the last 5 years" - to which you can't honestly answer 'no'.

It's your call, but we all know what insurance companies are like for wriggling out of claims and it could have further implications regards driving a vehicle with invalid insurance.