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.
If you are unfortunate enough to be involved in an accident contact your insurance company as soon as possible, even if you are intending not to make a claim on your insurance.
If you're involved in a road traffic accident that isn't your fault you have the right to claim back losses from the responsible party. This should not impact your no claims bounus as it was not your fault.
