Sorry for the boring thread, but I think someone may know the answer…

Last year my wife rolled into the back of another car…we’re talking a 1 or 2 mph impact in traffic to a roundabout. They pulled over, agreed there was no damage, exchanged details and all seemed good.

The next day the guy messages saying he has noticed damage and want to make a claim… he forwards loads of pictures of pre existing damaging all over the rear bumper, damages that could never have been caused by the impact (including a puncture hole all the way through the bumber). My wife replies saying he will be committing fraud etc and that we can prove she didn’t cause the damage. We never heard from him again.

My wife called the insurance co to explain what happened and that he may try to make a fraudulent claim but we can get video footage to disprove it with cctv footage (the incident was on the exit road from her works HQ – the driver was apparently a chauffeur).

We never heard anything and now the insurance renewal docs include a £4k claim against us for a new bumper!

Surely they should have notified us? I’m hoping we have some grounds to do something about this. She was driving my car at the time so it has effected insurance for both our cars and also my motorbike. Premiums are about £1k more in total as a result!