Fox - you say just to inform your insurers, if i were to have an accident i always thought call your insurers and leave it all to them
What is the process you are suggesting?
Call theirs and make them deal with it.
As Fox said, if you call yours they will repair the damage the same and reclaim the expense off the 3rd party. It will remain a fault claim until all expense is recovered.
If all is not recovered then you have a fault claim and loose your NCB. If you have to renew while your claim is still in progress, you loose your NCB until it is resolved (higher premium) and if the 3d party contests the claim then theese things can take months or even years to sort out if you have to go to court.
You will also get cheapest hire car they can get away with, not like for like which you can get off a 3rd party if they are paying. You can also choose the body shop of your choice, not theirs.
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