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[PhilRich]

On renewal the Ins Co. usually asks if there have been any accidents whether resulting in damage/injury or not. If you omit to mention it at that time & they subsequently find out, your insurance will be null & void from the inception date & you will end up 'flagged' on the Insurers database. Imho, best to get in touch with the other party & find out what their intentions are?

[feeutfo]

If nobody claims, then you've had no claims against you. Simples.

Any more than that is insurers asking customers to bump thier own premium up.

[dad1uk]

I had a similar thing, but it did damage her rear bumper......
Cost me £200 cash and no further action taken

[Lazydocker]

I reckon a quick call as a courtesy would be the way I would go

Because I now have all vehicles insured on a trade policy if I ever have a minor bump I intend to put it right without claiming if I can

[Lazydocker]

Some might say that its not possible go drive into or touch bumpers that the drivers are aware of and cause no damage at all. Certainly not that can be examined at night.

There was no damage to the van when that bloke drove into the back of it 3 hours after I collected it

[Dishevelled Den]

 

I would give them a call and ask, out of courtesy, if they have found any damage, if I were you.

Imho, best to get in touch with the other party & find out what their intentions are?

I reckon a quick call as a courtesy would be the way I would go

I would agree with all of the above - common courtesy demands nothing less.  It’s also useful to assess the state of mind of the opposing party by initiating contact before things go much further.

The point about informing your own insurers is also well made - irrespective of whether or not a claim is subsequently made.

In seeking insurance a proposer is being invited to disclose any matter deemed by the insurers to be relevant to the cover being sought.  While it's impossible to say whether or not details of this incident would ever see the light of day, should the opposing party not make a claim - and you don't declare them, there now seems to be a propensity for insurers to use any excuse at all to deny cover in the event of a future claim should you ever need to make one citing (in this case) non disclosure of relevant facts.

If you do decide to inform them (having spoken to the other party beforehand) I would do so as soon as possible.

[jonnycool]

The point about informing your own insurers is also well made - irrespective of whether or not a claim is subsequently made.

Yeah, just be prepared for your next quote to go up by at least £1000 though 

[Dishevelled Den]

The point about informing your own insurers is also well made - irrespective of whether or not a claim is subsequently made.

Yeah, just be prepared for your next quote to go up by at least £1000 though 

Yes I do agree JC - it always comes down to values.