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Fatboy
7,292 posts
142 months
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TwigtheWonderkid said: rash_decision said: He too will have an excess and a premium hike next year if he makes a claim. Worth speaking about??
Unfortunately, even with it being no fault of your own, if you go through insurance, your insurance will go up next year as you are now a "statistic!". (That's the excuse my insurer gave me!!). 1. The van owner will not have any excess to pay on the claim from the OP. You don't pay an excess on claims against you by a third party. 2. Not all insurers charge if you make a claim that isn't your fault and they recover their outlay or don't pay anything out. So to say "your insurance will go up" is wrong. It might go up. It might go up in the same way that the sun might rise tomorrow - simple fact is any claim and your insurance goes up.
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TwigtheWonderkid
6,313 posts
20 months
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Fatboy said: It might go up in the same way that the sun might rise tomorrow - simple fact is any claim and your insurance goes up. Complete and utter drivel. I wish people wouldn't post such rubbish and claim it to be fact. I made a claim on my insurance about 3 yrs ago, car hit whilst parked, tp admitted fault. My insurers paid for repairs and claimed it back from his insurers, and I claimed back my excess from his insurers. It had no effect on my insurance at all come the next renewal. When looking for alternative quotes at renewal to ensure my one was competitive, I put in no claims, and then changed it to show the 1 non fault claim. Most prices didn't change, only a few did. So, simple fact, some insurers charge for non fault claims, some don't.
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R32
285 posts
122 months
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vonhosen said: But what he says still applies.
Failed TWOCers can still potentially be caught & identified, then if they aren't it's MIB. Define identified? After my car was stolen and damaged chasing police cars - the police claimed off my insurance for the damage despite no one ever being convicted for the theft. They did however identify the thieves via DNA evidence in the car, but no prosecution followed.
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Marf
22,907 posts
111 months
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Fatboy said: It might go up in the same way that the sun might rise tomorrow - simple fact is any claim and your insurance goes up. Nonsense  My insurance did not rise after a non fault claim, and went down £40 after a fault claim, verified by leaving the incident off the quote, getting the price then adding the incident. No effect!
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