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Thread: Non fault accident. Will my insurance go up if I claim?

  1. #1
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    Vehicle : Vauxhall Astra-J

    Trim : Elite

    Engine : 2.0 CDTi

    Year : 2013

    Default Non fault accident. Will my insurance go up if I claim?

    Some muppet reversed into my bumper last night. They stopped in front of me to let some pedestrians cross the road, and the next thing I know is that the reverse lights come on and whack.

    His excuse for reversing was to give the pedestrians more room to cross the road and admitted to not looking behind him. He said there was no damage, but a) it was dark and he was only relying on street lights, and b) his rear bumper was still kissing my front bumper so how could he tell anway? As I said it was too dark at the time to see if any damage had been done, but when I looked on Saturday in the daylight the paint on the bumper has been cracked in a few places. We didn't have much time to look anyway as we were both blocking the road and as no one was injured the police (see next paragraph) wanted to get the road reopened.

    Fortunately I have witness who saw what happened, and also the police weren't too far away, and unbeknown to me at the time, she called them over.

    Unfortunately the driver of the other car gave me an incorrect mobile number. All I have is his name, insurance company name, and reg number. The police ran a PNC on his car while I was there to check he was insured, etc, so I'm pretty sure his name is correct.

    Estimated damage is £200 + vat, but as I am unable to get hold of him I cannot ask if he wants to settle up in cash or still go through his insurer.

    Here's the dilemma - I've been told that although the accident wasn't my fault, my premium could still go up next time because I would be classed a higher risk. Is this the case?

    A friend of mine had his car wrote off by someone else 3 or 4 years ago and by declaring it always increases the premium when he shops round for car insurance. Using online quote forms, if he doesn't declare it he gets one price, but declaring it raises the premium he has to pay.

    So, do I contact my insurer or not and put in a claim against his insurer?
    Do I just accept the damage, and try not to get annoyed every time I look at the front bumper and see the crack in the paintwork?
    A N Other?

    If I caused the damage myself then I could live with it, but as someone else has caused the damage I want them to pay to have it put right.

    Apart from one or two scuff marks on the alloy wheels, the paint and bodywork on my 06 Vectra is unmarked.

    pic of damage - click on it to enlarge. There is another crack further down out of camera shot as well.

    Last edited by Big Dave; 27th March 2011 at 02:54.

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    I had a similar problem, but it was my rear bumper that was cracked. A hunt on Ebay got me a replacement in the right colour for £50. A much better way of solving the problem if the other driver doesn't put in a claim against you. Just hunt on Ebay and be patient for the right bumper to come up.

  3. #3
    Full Member Big Sig's Avatar
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    I know something similar happened to my mum a few years ago. Her insurance did go up although not by much, they explained to her that it would go up as she was partially liable as she was there!!!!! (it would not have happened if she wasn't!) utter BS if you ask me!
    Now I need a turbo to keep up!

  4. #4
    Regular Member m8internet's Avatar
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    Future premiums will depend on how many other claims there are in 5 years and the liability of them
    If you do not have protected NCB, then you are likely to lose the basic first step of NCB

    The other person was not required to give a phone number, and equally I would not have accepted it
    If possible always take photographs of the damage AND the other vehicle

    It was not your fault, so report to your insurance company
    However, if the other driver already has your details their insurance may write to you directly and make an offer, and in these cases I always accept this as there will be NO costs and you can be more "demanding" (like for like courtesy car, at no cost, repairs carried out at a bodyshop of my choosing)

  5. #5
    Regular Member scotty84's Avatar
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    Vehicle : Saab 9-3 Aero

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    Engine : 2.8 Turbo V6

    Year : 2006

    Mileage : 62000

    Default

    Your insurance premiums will go up on a non fault claim....I had sum1 rear end me at 55mph whilst I was stationary as they was not concentrating on road. He admitted full liability straight away as did his insurance. Everything went smooth till renewel and quotes came in at between 120-350ish more than previous year. Did quotes with/without and both different quotes............. So wrong IMO as its not my fault. My insurance company told me its because im more likely to cause an accident once ive been involved in one.

  6. #6
    Ex Vec-C Admin ed taylor's Avatar
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    Vehicle : Vectra Estate

    Trim : Elite

    Engine : 3.2 V6

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    In my opinion it is another means of getting more money out of you.

  7. #7
    Regular Member JagRigger's Avatar
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    Vehicle : Vectra

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    Default

    Yes - they will almost certainly charge more.

    I have a bit of sympathy as to why, too ( generally - not in your case )

    Example - I hit another car up the rear a few years ago. On the face of it, my fault, BUT she was accelerating to join a major road, then changed her mind. I'd seen her going, looked right to check I was clear too, and........

    So, was she underconfident ? Was her driving suspect in any way ? Could this make her a higher risk in the future ?

    Discuss

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    Regular Member eaglepva's Avatar
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    Ive had 2 non fault claims since i bought the singum 4 years ago and my insurance went up every year after having the non fault claims.

    1st time somebody reversed down the side of my car in a car park when i was not in the car. (he came looking for me with insurace details etc as we were fishing)

    2nd time i was driving down a street and a woman pulled out and hit me on the side.

    My insurace has since jumped from £327 a year to £668 a year.

  9. #9
    Regular Member scotty84's Avatar
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    Vehicle : Saab 9-3 Aero

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    My answer would be yes jagrigger she would be at risk as she ov doesnt pay attention to other road users. I think its wrong the whole you rear end sum1 your to blame no question asked because sometimes the only way to avoid it is not bother going out at all. As seen on tv some people cause them for the injury claim.

  10. #10
    Regular Member m8internet's Avatar
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    Quote Originally Posted by scotty84 View Post
    Your insurance premiums will go up on a non fault claim.....
    Everything went smooth till renewel and quotes came in at between 120-350ish more than previous year
    Quotes have generally been increasing
    The way to compare how a non-fault claim is assessed by the insurance company is to compare with and without that non-fault claim, and in most cases they are loaded with an additional risk (unfairly)

    I have three non-fault claims in the last five years and all three are loaded together, so no difference whether there is one, two, or three
    Thankfully last year was the last year with the stupid non-fault windscreen repair

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