Do I need to tell my insurer about an accident if I am not making a claim?

Policies normally require prompt notification because the other party may later make a claim even where you initially planned to settle privately.

Give factual information: date, time, location, vehicles, people involved, witnesses and photographs. Avoid admitting liability at the scene; simply record what happened.

Late notification can create policy problems, so check the wording and report the incident even if the damage appears minor.

For 'Do I need to tell my insurer about an accident if I am not making a claim?', check the actual policy wording or insurer confirmation rather than assuming another driver's policy works the same way. Cover, disclosure duties and excesses can vary materially between insurers.

Check the current source for 'Do I need to tell my insurer about an accident if I am not making a claim?' before acting if the relevant rule, policy, fee or eligibility has recently changed. Keep any official confirmation or reference number produced by the process because it can help resolve a later query. This note is specific to answer 442.