Overhaulin'

car insurance renewal quote question?

I hit a car in front last yr which i believe was not my fault. i didn't pay my excess as i had no damage on my car. however she said they was damage on hers and she had hurt herself which i believe was rubbish however!! when filling my questions out on my insurance quote do i say i had a claim? as i didn't claim for damage she did and compo, i only lost my no claims. can anyone answer please?

Public Comments

1. yes you did have accident, however you lost your no claims, so the accident was your fault and will be on your record for 5 years, this will make your periums go up....
2. You had an accident. The other driver claimed from your insurance company. You lost your no claims. So a claim was made on your insurance. You cannot make a play on words that as you didn't suffer damage and didn't claim that you have a clean record! If you change insurance company and say no claim and have accident on the new company they will check with "old" company and then you will be in BIG trouble as they will void your insurance for not being honest with them to reduce your payment!
3. "I hit a car in front last yr which i believe was not my fault." It was and yes it was a claim.