UK: I crashed and seriously damaged my car. But it still drives OK. Do I have to notify my insurance company?
I was driving along at 30mpg, hit some ice, turned 180 degrees round, and hit a tree backwards.
Big dent in boot, Bumper damaged. Took away fairing and the main structural bar that goes across the back behind the bumper is also bent a lot.
But there is no evidence of damage further forwards. All rear lights still work OK. Car drives normally.
I am insured third party fire & theft, and the car was worth £2000 before I crashed it (much less now of course).
I can’t make a claim for the accident as I was not fully comp, but do I need to inform my insurance company that the accident has happened?
Thanks
BTW Nobody else was involved, no damage to the side of the road, and no police involvement.
If you read the small print of your insurance documents you will find that you have to notify the insurance company of any accidents regardless of whether or not you make a claim. The choice is yours as to whether you do but your insurance policy may be voided if they ever find out that you didn’t disclose this information, operative word being “if”.
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