A bit similar to this.
One Friday evening in October 2014 I was halted on red at a set of traffic lights. The lady in the car behind was checking her mobile phone and she didn't notice that her car was rolling forwards. As soon as she hit our car I looked in the mirror and saw her putting he phone down. There was no visible damage to our car so I got her details and told her that I would have the car checked out at a garage. I notified my insurance of what had happened.
This year in late December I got a renewal from the same insurer and it was €100 more expensive than last year so I shopped around. I got some ridiculous quotes but my current insurer turned out to be the best value. Being thorough, I entered my details (including the fact that I have had no claims) as a new quote on my insurer's website and got a quote €107 cheaper than the renewal they sent me. Happy to proceed I purchased the insurance.
There was a delay issuing the insurance cert so I contacted them and was told that my policy had to be requoted to include the claim from October 2014 which was settled at €0 and that it didn't affect my premium. I have told them that I didn't make a claim in 2014 but that I notified them of the accident (if you can call it that) as I am required to do. It is still recorded as a claim although I never signed a claim form (it was only the one phone call).
I only found out about the claim because of the delay in issuing my insurance cert.
Am I being over cautious or should I get them to correct their records?
One Friday evening in October 2014 I was halted on red at a set of traffic lights. The lady in the car behind was checking her mobile phone and she didn't notice that her car was rolling forwards. As soon as she hit our car I looked in the mirror and saw her putting he phone down. There was no visible damage to our car so I got her details and told her that I would have the car checked out at a garage. I notified my insurance of what had happened.
This year in late December I got a renewal from the same insurer and it was €100 more expensive than last year so I shopped around. I got some ridiculous quotes but my current insurer turned out to be the best value. Being thorough, I entered my details (including the fact that I have had no claims) as a new quote on my insurer's website and got a quote €107 cheaper than the renewal they sent me. Happy to proceed I purchased the insurance.
There was a delay issuing the insurance cert so I contacted them and was told that my policy had to be requoted to include the claim from October 2014 which was settled at €0 and that it didn't affect my premium. I have told them that I didn't make a claim in 2014 but that I notified them of the accident (if you can call it that) as I am required to do. It is still recorded as a claim although I never signed a claim form (it was only the one phone call).
I only found out about the claim because of the delay in issuing my insurance cert.
Am I being over cautious or should I get them to correct their records?