Cannot get insured anymore due to a non-fault accident.

Cannot get insured anymore due to a non-fault accident.

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Discussion

98elise

26,373 posts

160 months

Monday 11th April 2016
quotequote all
popeyewhite said:
TooMany2cvs said:
Either way, the actuarial statistics say that somebody involved in a claim - even not-at-fault - is more likely to be involved in another claim.
Statistics can be made to show whatever you want. Feed results into a computer and ask the right questions and you'll get whatever you need. However as this relentless pursuit of money by some insurance companies continues many more people will find themselves losing the incentive to declare incidents, resulting in loss of revenue for providers.
I've not had an accident in decades and my insurance is £159 per year, why are they not after my money?

WinstonWolf

72,857 posts

238 months

Monday 11th April 2016
quotequote all
dudleybloke said:
Could you sue the errant driver for your increased costs?
If it was the other drivers fault their insurers should cough up so you are in the same position that you were before their client screwed up...

EdEd

Original Poster:

97 posts

129 months

Monday 11th April 2016
quotequote all
shep1001 said:
Is this your Audi S3? I would Change insurer, clearly you no longer fit the demographic or risk profile your current insurer wants to do business with.

I had a 10k fault claim & then a 6k non fault claim 12 months later (on my company car insurance but still declared) My private policy at renewal went down bizarrely after the fault claim & was not impacted on with the non-fault claim the year after, lucky for me I did not have to change insurer but in preparation for a price hike when gathering quotes there were more that wanted an increased premium than those that it made no difference to.


At a guess you are either a new inexperienced driver or a young driver with a performance car which the Audi clearly is. Those insurance algorithms don't like that combo without the added statistical risk of an increase in accident risk. Start talking to specialist brokers who may be able to negotiate a sensible quote.


Can you insure it another way, say adding your mam/dad/partner to the policy or have them take the policy out with you as the primary driver? whatever you do don't tell porkies or get somebody to 'front' a policy for you because when you get caught even the cheapest st box corsa/fiesta/micra worth about 10p will cost you thousands to insure for years.



Edited by shep1001 on Monday 11th April 17:28
Yeah, this is my Audi S3.... Cheers for the advice just tried a load of specialists...waiting for a response. Was thinking about the second option, problem is no claims bonus etc. Looks like my only choice though..

EdEd

Original Poster:

97 posts

129 months

Monday 11th April 2016
quotequote all
WinstonWolf said:
If it was the other drivers fault their insurers should cough up so you are in the same position that you were before their client screwed up...
I signed the claim of as finalised unfortunately when all was fixed with my car.

TooMany2cvs

29,008 posts

125 months

Monday 11th April 2016
quotequote all
EdEd said:
Without the accident it would be £1350, with accident, quoted same company, 'over four and a half grand' he did not even bother saying the exact price...
I do not believe that one not-at-fault claim has tripled your premium, everything else being equal. Not for one minute.

EdEd

Original Poster:

97 posts

129 months

Monday 11th April 2016
quotequote all
TooMany2cvs said:
I do not believe that one not-at-fault claim has tripled your premium, everything else being equal. Not for one minute.
Imagine having a car you cannot drive on the driveway as you can't insure it when you've just spent £295 on tax on it as well. I wish I didn't believe it.

popeyewhite

19,622 posts

119 months

Monday 11th April 2016
quotequote all
Soov535 said:
Of course it's legal - no one is obliged to insure you.
But you are legally obliged to be insured. And taken advantage of, it seems.

XCP

16,875 posts

227 months

Monday 11th April 2016
quotequote all
adding experienced drivers with a good no claims history as 'named drivers' can reduce premiums by a lot. My son has his mum and sister as named drivers for this reason.

TooMany2cvs

29,008 posts

125 months

Monday 11th April 2016
quotequote all
EdEd said:
TooMany2cvs said:
I do not believe that one not-at-fault claim has tripled your premium, everything else being equal. Not for one minute.
Imagine having a car you cannot drive on the driveway as you can't insure it when you've just spent £295 on tax on it as well. I wish I didn't believe it.
That's not my point.

Still, at least you can get 11 months of the tax back.

TurboHatchback

4,151 posts

152 months

Monday 11th April 2016
quotequote all
The fact is that many accidents which are classified as entirely the fault of one party could probably have been avoided if the other party was more aware and drove more defensively. Statistically this is proven, showing that those who have had non-fault claims are more likely to make fault claims in the future. Of course there are many accidents which no amount of defensive driving can avoid and being stung for one of those would be infuriating, there's no way round it unfortunately.

One example is being rear-ended, it will almost certainly be the car behind's fault but if the car in front noticed the idiot behind, left more space in front and drove so as to only ever brake very gently then the accident might well have been avoided.

Most of being a safe road driver comes down to anticipating and mitigating the fkwittery of other drivers, it's no good being the most correct driver in the accident, give people space to be idiots and let them crash into someone else. I don't believe my car control is any better now than when I passed my test but my 6th sense of when tttery and incompetence are going to happen and how I manage other drivers around me has improved a great deal, presumably hence why my premiums are a fraction of what they once were.

WinstonWolf

72,857 posts

238 months

Monday 11th April 2016
quotequote all
TooMany2cvs said:
EdEd said:
TooMany2cvs said:
I do not believe that one not-at-fault claim has tripled your premium, everything else being equal. Not for one minute.
Imagine having a car you cannot drive on the driveway as you can't insure it when you've just spent £295 on tax on it as well. I wish I didn't believe it.
That's not my point.

Still, at least you can get 11 months of the tax back.
I believe you, he has a micro-penis and only comes here to argue...

EdEd

Original Poster:

97 posts

129 months

Monday 11th April 2016
quotequote all
Thanks for the advice, does anyone have any suggestions of specialist car insurance?

donkmeister

7,998 posts

99 months

Monday 11th April 2016
quotequote all
Having been in a similar situation (but fortunately a lower-insurance car) you have my sympathy. The situation sucks and over 5 years costs a bomb. Not your fault, people might drive more carefully if the at-fault party got a 3k increase instead of an innocent party.
I played around with adding parents and partner as named drivers and found the cheapest combo for me was adding my mum and my girlfriend.
In my case i reckon the formula was that x of your y miles each year will be covered by a middle-aged lady rather than a young petrolhead, plus instead of risking a drive after a pint or two (which I never did!) you will pass the keys to your partner.
The good news (long term) is that once you get past 30 the insurance seems laughably cheap.

MrBarry123

6,025 posts

120 months

Monday 11th April 2016
quotequote all
How old are you OP?

£3,500 for a young driver with only 1 year's NCB on a S3 is a [relative] bargain. My Golf 1.4 S (75bhp, 0-60mph in 13.6 seconds, top speed of 106mph) cost me £3,097 for my first year of driving.

I know insurance seems unfair for young male drivers however a significant proportion of young male drivers are fking idiots on the road.

shep1001

4,599 posts

188 months

Monday 11th April 2016
quotequote all
TurboHatchback said:
The fact is that many accidents which are classified as entirely the fault of one party could probably have been avoided if the other party was more aware and drove more defensively. Statistically this is proven, showing that those who have had non-fault claims are more likely to make fault claims in the future. Of course there are many accidents which no amount of defensive driving can avoid and being stung for one of those would be infuriating, there's no way round it unfortunately.

One example is being rear-ended, it will almost certainly be the car behind's fault but if the car in front noticed the idiot behind, left more space in front and drove so as to only ever brake very gently then the accident might well have been avoided.

Most of being a safe road driver comes down to anticipating and mitigating the fkwittery of other drivers, it's no good being the most correct driver in the accident, give people space to be idiots and let them crash into someone else. I don't believe my car control is any better now than when I passed my test but my 6th sense of when tttery and incompetence are going to happen and how I manage other drivers around me has improved a great deal, presumably hence why my premiums are a fraction of what they once were.
Yep, I was stationary on a red light when the cocksocket behind me barrelled into the back of my 10 day old 5 series the other year. No way I could have avoided it. He was on his phone checking his Facebook feed. Not only failed to see the red light but the big silver lump of metal with its brake lights on that wasn't moving in front of him. The combo of a rear facing dash cam, a grumpy magistrate and the fact that his car was destroyed kept him off the road for a good 12 months before he got behind the wheel of a car again.

CaptainMorgan

1,454 posts

158 months

Monday 11th April 2016
quotequote all
I think the only option is to ring every insurance company you can think of. This is maybe an issue because you're driving a particular car at an age where very few insurance companies will cover you at a reasonable cost, like my brother who has 5 points and has just passed his test. The comparison site had the first company at £3200 and the next at £5000 + so if something happens to him to make him unappealing to that one reasonable (for him anyway!) company he'll be paying mega bucks.

cmaguire

3,589 posts

108 months

Monday 11th April 2016
quotequote all
EdEd said:
Thanks for the advice, does anyone have any suggestions of specialist car insurance?
Adrian Flux
Pace Ward
Keith Michaels
A-Plan


Edited by cmaguire on Monday 11th April 19:04

lbc

3,212 posts

216 months

Monday 11th April 2016
quotequote all
It's also a lot cheaper to buy insurance with cash instead of paying monthly installments.
My girlfriend's daughter 22,was quoted £300/month insurance for a Toyota Yaris, but if she paid cash it would only be £200.
She decided to leave the country instead.

The OP should also consider having a black box installed if you want cheaper insurance on an Audi S3.
If I were the OP, would sell the S3 and buy something less likely to ring alarm bells with insurance companies.

Marvtec

421 posts

158 months

Monday 11th April 2016
quotequote all
What are the realistic ramifications if OP doesn't declare the non-fault claim? I assume if the insurer found out about it at a later date they would claim for the difference in premium? Would they be likely to find out given the claim is not in his name?
Not that I'm advising that, of course.

Mandat

3,879 posts

237 months

Monday 11th April 2016
quotequote all
popeyewhite said:
Soov535 said:
Of course it's legal - no one is obliged to insure you.
But you are legally obliged to be insured. And taken advantage of, it seems.
No one is legally obliged to drive a car.