Arrgh!! Die Die Die!! (Car Dunt!)

It is an "accident" so in theory you have to declare it, and if you go to the police it will be recorded. My car was hit by insured lorry, I wasn't in the car- it was parked legally on the road, yet I have to declare it at each insurance renewal for 5 years it has cost me I would estimate well over £1000 in additional premiums. I now pay around double every time I renew due to this and the new Mini that was stolen and burnt out after breaking into our house and taking the keys which is of course our fault.

No you don't HAVE to declare it if you don't want to.

If your happy not to need any repairs/pay out of own pocket, then although your insurance company "should" be informed, really, they don't... They will bump up your prices for something that your not prepared for pay out for or don't want the insurance company being involved with in the first place.

Do the police need informing every time you do over 70mph on a motorway.... Or do you only worry about it when your caught?

If you have a small accident, someone admits fault and gives your £100 cash on the spot, do you declare it to the insurance company? No, again will bump up the costs for absolutly no reason at all.

I had a "dunt" put into the door of my car (pug 307) by some bint in a car park.The car was only a year old at the time and the quotes for repair worked out at £800. Her insurance covered it and I didnt have any excess on my insurance.

I don't believe the police routinely inform your insurance company, that would be down to you to do.