On the way to work this mo had an accident (1st time ever). hit another car that braked for an oncoming ambulance from the rear. No serious damage to my car (just scratches) but bumper of the other car was slightly out of place (possibly needs taking off and fitting back in place). No other damage to both cars as far as we both checked. I have offered to get it fitted at my expense without involving the insurance. I guess the other driver will have informed their insurer. Haven't informed mine yet.
Still waiting for a call from the other driver to give me quote from garage for the damage.
Question is if we get it sorted without involving insurers, will this affect my NCB and should I expect an increase in premium?
Advise please.
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