Failure to report an accident to your car insurance company, however minor the accident is, could invalidate your insurance policy. Most insurance companies share information.
You should be aware that if you only have third party insurance you are not covered if your car is stolen or if you have an acciden that is your fault. Some car insurance companies do not offer third party only options.
It's a common misconception that having fully comprehensive insurance means you can drive any car. Unless your insurance states you're allowed to drive other cars then you cannot. when purchasing your next car insurance policy, check to see if you can drive someone else's car.
Remember any claim made against your insurance company may affect your no claims discount and could lead to higher premiums. You can sometimes protect your no claims with an optional premium. make sure this is transferable to other companies though.
