My stationary car was hit by a bus driver - how will it affect my insurance if I make a claim?

The other driver drove off but I saw him do it & told the police who confirmed bus company, as a rule have fully comprehensive insurance so but Im concerned that if I make a claim it'll affect my no-claims bonus (6 years protected, but protection only covers for upto 2 claims in 2 years & its less than 2 years since I made claim) & will I have to pay the excess or will it all be re-claimed from the bus company & not affect my no claims bonus.

PLEASE HELP

D.L.

If the bus company has been found to be at fault, and are willing to pay go thru them. If you file with your own insurance you'll lose the claims free discount plus if the damages are more than a grand, your rates will go up, even if they get the money back.

Â¸.â€¢*Â´`*â™¥Kates â™¥ Game11 Â¸.â€¢*Â´`*â™¥

You claim from the bus companies insurance not your own.

The original Peter G

You should get this fixed with no impact on your insurance, but remember it's a no CLAIM discount. If you get penalised you can sue for loss of discount, but the whole thing depends on whether the bus driver admits the incident or not and if you have an independent witness

maranave_229

This is a "no fault claim".

The accident was 100% the other drivers fault, so your no-claims bonus is preserved - even without no-claims protection.

You should receive the full amount for repairing your car - your excess does not apply in this case.

Bigpip

Despite Jade Leprichaun's answer, make sure you tell your insurer about the accident.

Your policy is quoted on "Truth and Honesty". If you don't tell them and they find out, it will affect your future policies and premium and may even invalidate your current insurance.

Notify the insurer that it is "For information purposes only" if you don't intend to claim through them.

Your bonus at the moment is protected. You will loose the protected part of the policy so if there's a further incident and the insurers pay out, they will affect the amount of bonus you are entitled to. Your premium is likely to go up but this is more likely as a natural rise in premium prices.

In my experience, you'll probably find that the driver will deny that he was involved in an accident. Most buses are fitted with CCTV so if they do deny, ask them to provide you with a copy of the footage.

The excess is payable if your insurer repairs your vehicle. Unless they have an admission of liability. They may then waive the excess.

Fed up UK Citizen

Phone your insurance they will probably put right your car and chase the bus company for you, you should not loose out providing you were parked correctly....

Leprechaun of Jupiter

if its 100% ther fault then their insurance company picks yp the bill completely and u don't even tell ur insurance company.
If u make a claim thru ur insurance ur rates may go up

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