I agree with all that's been said.

One additional comment from me:

I always pay the small additional premium for legal cover.
My daughter had to use this when she hit a car which pulled out of a side turning right in front of her and then tried to claim it was her fault!

Also, I never pay to protect my no claims discount. Whilst the company may continue with the % discount, they hoik up the pre-discount premium if you make a claim and you have to stick with them to get the discount.

I change insurance company every year to get the best price as most insurance companies jack up their prices at renewal in the hope that the less savvy will just cough up. If it ain't broken, fix it till it is.

sawm24 wrote:

they claimed that I reversed into them and said that they wanted me to pay for damage to their car!!

Ba ds. You knew it was going to come though, didn't you?

Reminds me - must take another look at fitting front and rear dash cams....

Good luck.  2021 D350 Fifty Edition - Carpathian Grey
2017 4.4 SDV8 Autobiography (2021-2024) - Santorini Black
2012 4.4 TDV8 Westminster (2016-2021) - Santorini Black

sawm24 wrote:

Quick update to an old thread!!

The other party didn't report that they had been in an accident to their insurance but once my side sent over the bill for the repairs they claimed that I reversed into them and said that they wanted me to pay for damage to their car!!
.