car insurance – minor damage claim policy


Hi – I had a question on minor damage claim policy and whether it affects your premium with the main insurance provider.

I bumped my car while parking and there are a few minor scratches on my bumper.

In addition to my main car insurance , I have a minor damage protection policy with Premia Solutions. My questions are:

1. If I claim under this minor damage policy, do I need to declare it to my main insurance provider. Premia Solutions had originally said it won’t affect my no-claims bonus but are now giving me vague answers.

2. Do I need to formally inform my main car provider about the accident/scratches.



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