Car Insurance query: hit by uninsured driver.


Recently, I was driving my wife’s car, and a young driver on a scooter hit the car on the front passenger side bumper, causing enough damage to warrant replacement of the bumper.
I reported the incident to my insurer (Hastings Direct) promptly, and on follow up ten days later, was told that the driver of the scooter was uninsured. The company tell me that this means I can have the bumper replaced by them whilst protecting my no claims bonus and waiving my policy excess.

Since its an insurance company, I cannot help but wonder if there is a catch to this! Does anyone know more?

Thank you

M



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