I bumped another car but there is no visible damage — do I still need to tell my insurer?
What should you do?
- Exchange the legally required details if another vehicle or person is involved.
- Take photographs of both vehicles and the location.
- Hidden bumper, sensor or mounting damage may emerge later.
- Make a factual note of the time, place and circumstances while they are fresh in your mind.
What can make a difference?
The result can depend on your level of cover, exclusions, excess, information given when the policy was arranged or renewed, who was driving, and the precise circumstances. Two policies both described as “comprehensive” can still contain different terms.
Notification does not automatically mean you are asking the insurer to pay a claim.
Damage or injury can become apparent later, and your policy may require incidents to be notified even when you do not intend to claim. Check the notification terms and keep a record of what happened.
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