Accident advice

[PokerBroker]

My point is, by contacting your insurance you have nothing to lose. by not contacting them you're policy could could be voided.

That isn't true.  A policy would never be voided for non notification.

If he reports to insurers he will be hit with a loading on premium.

3 year rule for damage to vehicle
6 year rule for PI.

[RED-DOG]

This is what I found online.




Non-fault accidents – how do they affect your premium?

Some insurers’ data shows that drivers who were in an accident that wasn’t their fault are more likely to be in an accident again that is their fault in the next few years.

That’s why if you’re in a non-fault accident, your car insurance premium might rise at renewal.
What if you claim from the other person’s insurance though?

You're still likely to see a rise when renewal comes up. "But that's unfair!" we hear you cry.
That's how it works - it's all based on years' worth of statistics, and the figures don't lie.
What if you just don’t report it?

You have to report any accident to your insurer - it’s all in the small print. If you don’t and your insurer finds out, they might cancel your policy or refuse to pay if you make a claim.

That’s why it’s best to look for a cheaper deal when your renewal comes up, as prices are more likely to be higher this time round.

[atdc21]

my caravan policy went up for some unknown reason