Insurers that don't ask for non-claim incidents

[Greg0986]

Long story short, had a minor scrape with a bus early last month. Contacted insurance company just to INFORM them they I had an incident (the law, right?). I wouldn't be claiming as the bus company paid for the repairs.

I have checked on various insurance company websites and the insurance increases £300 if I mention an incident, no claim, zero cost and and non-fault. I know of one company that doesn't require you to disclose no-claim incidents, yet they wouldn't insure me on a new car I am looking for.

tl;dr:

Do not mention incident = £500
Mention incident = £800

Are there any insurance companies out there that don't care about no claim incidents? Tried Adrian Flux and they can't do any better than others.

 

[Sirrel Squirrel]

Pretty sure Aviva only ask for claims.

 

[Greg0986]

I think they are the the ones that can't insure me :

edit: yep.

You need to tell us about any motor related claim whether fault or non fault.
You don't need to include claims made by other drivers in this section as these will be asked within the additional driver details section

You must declare all incidents or damage involving any motor vehicle, including:
Any claim, regardless of who was at fault
Any incidents which did not result in a claim
Windscreen claim

 

[Sirrel Squirrel]

Ah OK, I thought it was them unless they've changed things since I last looked.

 

[Iamzod]

Are there any insurance companies out there that don't care about no claim incidents? Tried Adrian Flux and they can't do any better than others.

Unless anything has changed since I worked there then any Direct Line Group underwritten policy which used to also include Churchill, Privilege & Sainsbury's.

Looks like they also still underwrite Natwest & RBS motor insurance too despite no longer being part of the RBS group.

 

[kindai]

Wrong thread!

 

[Mr-White]

This is why people claim whiplash.

I tried to claim my insurance increase as a expense on the claim, they wouldn't let me lol

MW

 

[Nasher]

Wow people ACTUALLY tell their insurer for minor scrapes? Get it fixed yourself. As long as both parties agree theres no way they can find out. I've done it, so have most people I know. They will only use it as an excuse to hike the premium. A £100 dent repair could end up costing £200+ for the next 5 years.