Apparently the law is now that you need to report an accident to the police if you want to make a claim. I had a small ding caused by a bus who tried to push me off the road - the on the spot guys came and did their bit. I sent the car to the garage (it's on a lease so I'm not the owner) they refused to repair it under insurance as I'd not made an entry - apparently its on the fine print of the on the spot form. Went to the police station the next day (cause the accident wasn't in town) and was told that if I made an entry then, the police would prosecute me for not reporting an accident....(although I was stood there wanting to report the accident)
Eventually sorted it, but also checked with a friend in the insurance field - apparently they are required by law to send the police a list of all claims that hve been made, with a note sto sy whether a police entry has been made.... so now you need to wait half an hour for the on the spot guy, and then go make an entry... what joy....