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Thread: non fault claim= dearer insurance

  1. #1
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    Default non fault claim= dearer insurance

    after being in a non fault claim this week i'm wondering are the insurers likely to gouge me for the next 5 years because of this?


    i'm thinking about claiming off the other party for possible increases in futur insurance or am i being stupid here?


    nm just ran a quote on compare the market.com

    mr average sdp and commuting on a vectra diesel (ie mine without taxiing)
    12000 miles a year for me only driver

    no accidents mentioned- admiral quote me £682.70
    1 accident mentioned non fault admiral quote me £881.15

    29% loading of my premium through no fault of my own,

    why should i be £200 a year worse off?


    and bear in mind thats for one policy

    i hold 2 policies myself and i'm a named driver on a third

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    Regular Member barney490's Avatar
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    Default

    its so wrong they do this, it happened to me, my insurance went up when some ass ran up the back of me. Claimed off thier insurance for repairs, yet MY premium went up???? go figure!!!

    Toast, did you get any quotes for repairs today?

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    Regional Organiser - West Scotland neverlandandy's Avatar
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    happened to me with more than reported a minor bump out of common courtesy to the insurer just in case things went wrong ......other guy paid cash to have repair done
    the following year my premium goes up by over £200 as i now have a non fault claim on the system
    so left them and went to ck who know about but chose not to use it against me

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    Regular Member Ste's Avatar
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    Default

    My wife had 2 not at fault claims and gthe other parties insurance paid in full on both accounts. Still, my insurance went up as she is named on my policy. I tried it with and without declaring them and there was a difference.

    I don't think you are being daft in claiming this financial loss through the insurance as an additional expense. You wouldn't have to pay it if they hadn't have hit you....

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    Regular Member eaglepva's Avatar
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    same happend to me 2 non fault accidents claimed of the at fault drivers insurance and my insurance went up the following year. Ive got two markers on my insurance now for accidents that were not my fault yet my insurance went up. Insurance companies just take the **** out of the legit drivers who pay to tax, mot and insure their cars.

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    Regular Member m8internet's Avatar
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    Default

    I had two non-fault claims and one impact animal claim, and did not notice any change to my premium in 2006 or 2007

    The difference would be applied to your current (or previous) policy
    Renewal prices appear to be vastly higher than normal at the moment, so simply shop around

    Equally, in the event of a non-fault claim, phone the insurer that was involved
    Explain they paid out to your claim and are looking for a policy
    They should offer you the cheapest quite, after all they are in effect getting that money back from you

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