To not bail DD out with car damage

They might (and have done plenty of times in the past)
Not always
Yes, but terribly frustrating when people promote rubbish opinions as opposed to facts

What the flippity flappity fuck.

The bastards won’t ‘find out.’

The other driver won’t want to report it either as even a no fault claim causes premium increases. For six hundred quid it’s not worth it for anybody.

Aren’t anonymous forums fun? 😉

Haha. This is one of the funniest posts on the thread.

I was that sensible but then I had my own flat which I had to have contents insurance for and I didn't spend all my money because I was saving for either a better flat or a house. Boring me.

My eldest son has been driving a car since he was eight.

She'll have even more problems if the insurance company find out she's not reported having an accident.

Yes, she would have signed the contract, correctly identified as ‘biased’ by a previous poster. Because she had NO CHOICE. If one wants to drive on a public highway in the UK one must, by law, agree a civil insurance contract with a greedy, rip-off private insurance company. Who of course take advantage of the fact that you are forced to buy from them.
Running an insurance company is no different to running a casino. It’s gambling. Funny how the house always wins. The only sensible way for a punter is not to play, or at least to play as little as possible.
I insure nothing I am not forced to by law, which is only cars and business EL and PL. I’ve never insured my house or contents, few of my business assets, and certainly not silly things like phones. It’s called ‘self insurance’. Become your own insurance company (remembering that the house always wins.) I’ve worked it out. In my long life, I’ve already saved in excess of £100k. Losses to date are one quad bike and one camera.
OP: For the love of Christ do not follow the frightened sheep and insist your daughter tells her insurers. They’d be at her neck for the next ten years and it would cost thousands.
She does need to grow up though: Be an honourable adult - own your mistakes - pay for the repair immediately and with good grace, and certainly without arguing the cost (so long as there’s no evidence of piss-taking). The other owner may simply trouser the cash and not bother with the repair. Their choice.

Ah, but if it comes out, and these things often do (never trust a stranger at the side of the road) the cost of taking new insurance after having a policy cancelled will almost certainly be far more than a rise in premium after reporting an accident.

You say it a ‘biased contract’ but it’s a contract that OPDD will have (probably digitally) signed and agreed with the terms and conditions of that contract.

Also, it’s £600, not £200

She's 18! Of course she's going to spend all her money. Were you really that sensible when you were younger? I definitely wasn't. I would lend it to her, I understand about teaching them lessons but I can't fathom why you wouldn't want to help her. Mistakes happen, and her insurance will just go through the roof.

Depends on the policy.

You’re right. I forgot this can be looked up nowadays.

At 18 if she claims on her insurance her premiums will skyrocket

A £600 repair means very minor damage

Unless the garage then discovers further damage (or the driver claims they did), or the repair goes wrong.

It’s £600 she saves and another vote for insurance every time.

i would be highly concerned about paying someone else £600 and not going through insurance as there is nothing stopping them still claiming on her insurance after taking the money. If it was just a wing mirror glass (
happened to me and was £50.00) but £600 no way would i take that risk.

I would loan her the money but insist on it paid back in 2 months so she feels skint as an incentive to save.

This

There is no way I would encourage my daughter to go through her insurance. The 200 quid she saves would be pennies compared to how much her insurance would go up. Car insurance companies make enough money and are businesses. It's not " the law" but a contractual term in a biased contract.

Dad is out of order wanting to haggle though.

A £600 repair means very minor damage, there is no law that says anyone has to go through an insurance company.

A teenager refused insurance, will find it next to impossible to get cover, if they do, possibly in the '000s...

But hopefully the father is now dealing, so more sensible about the repercussions for his DD.

Many people who will accept cash for the minor repair on an older vehicle, don't get it fixed and just pocket the money or they have no cover themselves.

Turning 18 doesn’t magically convey skills that nobody has taught you

And no-one is capable of learning anything for themselves. Everything has to be spoonfed.

There'll be someone who'll cover her, it'll just cost more.

She absolutely needs the protection of going through insurance in case the repair is bodged or someone is dishonest about it.

Just one thing, if she has another claim in a year, her fault or not, many Insurance companies will see her (as a young driver) as high risk and refuse cover.

Giving the OP and her DD, whole load more problems.

If you have it I will give it she is only 18 her insurance will be to much for her to afford with a claim and her age

What did you do in terms of teaching her the value of money, how to save and allocate money between different priorities, create budgets and avoid temptation to spend everything, about compound interest and its effect etc, when she was a child?

Perhaps you did do these things, in which case taking a harder line now would be acceptable. But it’s obviously unrealistic to be “despairing” of her not managing her money well if you didn’t gradually teach her these financial skills from early childhood and build them up in complexity through adolescence so that she was equipped to manage her money like an adult at 18.

Turning 18 doesn’t magically convey skills that nobody has taught you and engrained through practice and it’s unrealistic for you to expect this if you didn’t put in the legwork to teach her this consistently througout her upbringing and give her more financial independence, responsibility and autonomy gradually as she got older.

I have no idea if you did or not as you don’t mention this in any of your posts. It’s well-known that the brains of teens are poor at assessing risk and long-term consequences in proportion to short-term desires so if you expect her to be able to make rational choices on finances at this stage of development then I hope you’ve ensured that you’ve given her the tools to do so over the last 10+ years so she has that solid grounding to counteract the natural predisposition towards risk and “living in the moment” of someone her age, which is completely normal neurologically and developmentally. If not, you’re being very unfair on her. It’s very hard, simply for neurological reasons, for most teenagers to do what you’re expecting even if they have had appropriate financial education from their parents. It’s the equivalent pf throwing a tiny baby into a swimming pool and expecting them to float.

In fairness, if they have the reg number they can get her insurance details and go direct to them.