insurance question

sheriffwoody

couple of insurance related questions:

Scenario 1
if person A's car is hit by Person B - and they both decide insurance is the way to go, and therefore person A claims off person B's insurance to put right the damage on the car, will person A face any impact on their own no claims bonus?  

I appreciate that going forward person A will need to inform their own insurance company of a "no fault accident" for the next 3-5 years and thus will increase their premium, but are the actual no claims bonus affected?

Scenario 2
Person A's car is hit by person B - and person A has another person (person C) as a named driver (fully comp) on their insurance policy.
If person A and B go through insurance to fix the damage, does person C need to inform their insurance company (a completely separate company) of such a claim or anything?  Is person C in any way liable for anything or will no claims bonus be affected/will insurance company in the future need to know about the accident between person A and B?

AMc

#1 happened to me. Had no effect on my ncd or premium. Hit standing in a queue so no fault at all

#2 only if person A is also a named driver on person c’s policy otherwise I can’t see how it could affect them.
I might have misunderstood your explanation though

sheriffwoody

Person C is a named driver on Person A's car.
Person A is NOT a named driver on Person C's car.

Person A's car was hit by Person B.

Does Person C need to inform his/her own insurance of said accident, (Person C wasn't driving the car at the time of the accident) or is it completely separate?

Lee

Person C does not need to in form their insurance

sheriffwoody

still sucks though that a non fault collision still impacts upon someones insurance

Greg Hook

It does suck. The insurance companies have the opinion that no accident or incident is non fault.
Even if your car was just parked somewhere and some nutter smashed into it.
Very harsh.

nvingo

Is it actually anything to do with fault though, or is it simply a reassessment of risk based on additional data ?

Bl4ckGryph0n

Risk

Dean

A couple of years ago a lady pulled out from a side road without looking and caused a collision. She admitted fault due to witnesses but it still had an impact on my insurance, although not massive it was still significant.

mjn

If person C was driving person a’s car, then yes, they need to put that claim on their insurance profile.