car accident with morobike - WWYD please?

[pencilcase11]

my DP was parking the car and the motorbike hit him at the back - damage to the back of the car. We reported to insurers and we also said to put claim on hold because maybe we can amicably solve the repair with the owner of the motorbike - he is young and not sure if he can afford though...WWYD please?

Let it go through the insurance.

Go through insurance. You still have to declare it now even if you don't proceed with the claim so you may as well. I had a friend who agreed to do it without insurer and the person who crashed into her ended up trying to claim off her. It looked bad on her part as she had not reported it. Was a nightmare to sort.

This is what insurance is for.
You cannot see what damage has been done. It might appear to be a few scratches, but once it is looked at in more detail everything can escalate.

You may as well ask him. If you go through your insurance, even though it was not your fault, your premium will rise for three years as you are statistically more likely to be involved again in the next three years.

Insurance. No benefit to you whatsoever of not doing so.

If you are not at fault then your premiums won't be affected. If it is ambiguous, then they could be. If you have an excess, make sure you pursue recovery (often your own insurers will have the facility to do this, but not always, depends on the type of policy you have -ask). Recovery of the excess, or not, will often be the criteria used to determine fault when it is not clear-cut.

go onto the askmid website and find his insurers and claim against them directly. you will soon find out if it is going to be simple. I would not give someone else the opportunity to pay for repairs themselves. your average person has no idea of how expensive car repairs are.

That's not correct tweedledi. Your premium will not be affected that year but when you renew, they ask if you had any accidents regardless of blame. This is the first year I am not affected by a van man going into the back of me. I didn't know until last year but in the third year it raised by premium by 100 quid and it decreases each year so I'm not sure what it would have been for the first two years.

Did you recover your excess? If not, why not? Alternatively, if you are not fully comprehensive, you need to have recovered your loss from the other person's insurance. It sounds like your no claims discount was effected due to a failure to establish fault. The impact of this will be reflected in the gradually decreasing cost over the following 3 years.

If you are renewing with the same company, then they will be well aware if you have made a claim. If you are going with a new company, the retention of the ncd is proof of no fault, as is recovery of full losses if you only have third party cover for e.g. However, since data is shared, it is ultimately irrelevant. If you choose not to tell a new company about a prior claim, by yourself or another party on your insurance, then they can find out.

No, I had protected no claims. I was renewing with the same company and have renewed with a new one since. I had fully comp etc. Everything cover wise that meant I was protected and was told that everything does stay the same as they say but the premium is raised due to statistically being more likely to have another crash. I double checked this last year with another ins co. And this is the what they also said. I was not impressed.

To sum up, no claims not affected, fully comp and completely the fault of the third party. I paid nothing including excess. However, separate to all that statistically more likely to crash so premium increased. Just the same as younger drivers pay more due to statistics or I suppose

Ah right, thank you for clarifying your points. This situation isn't universal, but it is true for some of the smaller insurers; overall around 60% won't load for a single no-fault claim. Worth shopping around.

I can't say as can only say for my ins but was with Tesco for the crash and again after. Then admiral and last two years (only just renewed) with adrian flux. I'd say tesco and admiral are big. Not adrian flux so much. I always compare I'm only just out of the young driver category. 27 this month so I spend ages looking around. Generally don't ask them all about it tho... Just get the cheapest

put it through the insurance. If he runs into the back of a car he is a) fully at fault and b) needs to learn a lesson before he kills himself or someone else!

also if he has another crash he definitely won't be able to afford to pay you.

sorry - but this is what insurance is FOR.