I'm looking for some advice on a Non Fault Insurance Claim, if there is different tiers and its impact on my no claims discount.
For some background, 4 weeks ago we purchased a new car and brought it home and put it on our drive. The following weekend, my partner and I got married and went straight on our honeymoon abroad. We left the car on our drive outside our house (off road drive way).
Literally the first day of our honeymoon, my parents messaged me about a peculiar note that had been put through my door. I followed this up and the guy has said that he has damaged our car and wanted to follow up the way forward. He has told me his 2015 Honda's Handbrake failed and his car rolled down the hill and hit my car. My dad who has been dealing with matters back home believes this may be a tall tale and he's just forgotten to put his handbrake on (Staggered it wasn't in gear as well, but that's another annoyance)
On the surface level, the damage appears to be just cosmetic but will require a full respray and possible bumper replacement as a minimum. I am now debating whether to go through the insurance or to get a quote for it doing off the insurance.
Can anyone give me any advice on what they believe the best route is? My understanding is that any 'claim' regardless of fault will impact future insurance policies. Which frustrates me because we weren't even in the country at the time of the incident and this was potentially done by negligence on the other parties fault. My other gut feeling is that as its a week old car, the insurance should give it a full once-over, to make sure there is no damage to reversing sensors (doesn't appear to be) and damage underneath the surface
Frustrated to say the least and not the start to married life I envisaged.