I was involved in a small accident the other day where someone drove into the back of me, and based on the repair quote I've got from a garage we are going to do it through insurance. Could it make a difference to my future renewals or anything (in particular thinking about when they ask 'have you been involved in any accidents whether at fault or not' or 'have you made any claims' etc) depending on whether I claim through my insurance (who I have already informed) or direct through the third parties thus keeping mine out of it? Mine have said they would freeze my excess so I wouldn't have to pay it, and they would reclaim the costs from the thrid party but it would still go down as a non-fault claim on my policy.
I can't help but feel it would leave my insurance 'cleaner' if I go direct to the third parties, but as mine said, they may not offer the same service/guarantees etc and once I've started the process with them mine can't do anything more. Plus, from what I've read, it can be much harder to get the third parties insurance to pay out.
Any advice would be much appreciated! Cheers