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A cyclist hit my car as I was pulling out of a junction in October last year.
He flew into the back quarter of my car damaging the rear wheel arch and causing several hundreds of pounds of damage.
He was a 13 year old lad riding on the footpath at speed with no helmet at speed.At the junction h e went down the dropped kerb without stopping into the roadwhere he hit my car that was already pulling out of the junction. I checked hewas ok and asked if he wanted me to take him home (his parents lived in the flat below me).He said he was ok and apologised for riding at speed into my carand said it was his fault.
I called the insurance purely to tell them what had happened and that I intended his parents to pay for the repairs. I wanted to make them aware should an injury claim by the cyclist be sought. I asked if I should call the police and they advised that it would probably be a waste of the police's time as we had both left the scene and we're both ok.
The drivers parents eventually paid for the repairs to the car (in cash - so no record of this). I have just received the insurance renewal quote. My 2 years no claims is displayed as 0 years no claims. There is also a log in the claim section to advise 'Driver hit third party', claim cost £0. They've increased my monthly premium from £54 per month to £228 per month?
I've contacted them to ask why and they've advised that should the cyclist claim against me with a year of the incident,then the court will approve it, hence the increase to my insurance premiums. They said that if I obtain insurance elsewhere (foregoing) my no claims, then the open incident will be displayed which will increase my insurance premium with any chosen provider.
I am in the process of sending photo's of my car to the insurer so they can see I didn't hit the driver, the driver hit me as the damage was at the back quarter of the car. Also to argue that the cyclist hit my vehicle. Any advice you could offer would be greatly appreciated
He flew into the back quarter of my car damaging the rear wheel arch and causing several hundreds of pounds of damage.
He was a 13 year old lad riding on the footpath at speed with no helmet at speed.At the junction h e went down the dropped kerb without stopping into the roadwhere he hit my car that was already pulling out of the junction. I checked hewas ok and asked if he wanted me to take him home (his parents lived in the flat below me).He said he was ok and apologised for riding at speed into my carand said it was his fault.
I called the insurance purely to tell them what had happened and that I intended his parents to pay for the repairs. I wanted to make them aware should an injury claim by the cyclist be sought. I asked if I should call the police and they advised that it would probably be a waste of the police's time as we had both left the scene and we're both ok.
The drivers parents eventually paid for the repairs to the car (in cash - so no record of this). I have just received the insurance renewal quote. My 2 years no claims is displayed as 0 years no claims. There is also a log in the claim section to advise 'Driver hit third party', claim cost £0. They've increased my monthly premium from £54 per month to £228 per month?
I've contacted them to ask why and they've advised that should the cyclist claim against me with a year of the incident,then the court will approve it, hence the increase to my insurance premiums. They said that if I obtain insurance elsewhere (foregoing) my no claims, then the open incident will be displayed which will increase my insurance premium with any chosen provider.
I am in the process of sending photo's of my car to the insurer so they can see I didn't hit the driver, the driver hit me as the damage was at the back quarter of the car. Also to argue that the cyclist hit my vehicle. Any advice you could offer would be greatly appreciated
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