Minimising impact of non-fault claims
Discussion
fourspoons said:
TooMany2cvs said:
How on earth did your neighbour hit your car while it was parked in your drive? What was your neighbour doing in your drive in the first place?
It's a large shared drivewayfourspoons said:
I was annoyed of course but fair play to him for knocking on the door and fessing up..
The number of likely suspects is low...
kiethton said:
It sucks but don't think you can do anything about it.
At 21 I had a BMW 335i, all good for the first 6 months, after renewing the policy I was then hit in the side by somebody pulling out without looking and 6 months later I was rear ended whilst stopped. My insurance went from £800 to £2400, no where would insure me any more, without either claim it had actually fallen to £750....
I had to sell the car and crystallize a pretty substantial loss :/
That stinks. As a former 335i owner as well, you have my sympathy.At 21 I had a BMW 335i, all good for the first 6 months, after renewing the policy I was then hit in the side by somebody pulling out without looking and 6 months later I was rear ended whilst stopped. My insurance went from £800 to £2400, no where would insure me any more, without either claim it had actually fallen to £750....
I had to sell the car and crystallize a pretty substantial loss :/
fourspoons said:
TooMany2cvs said:
I wonder if insurers count that as "private drive"...?
Well, in so much as its a driveway and it's privately owned, what definition would you prefer?If you go by "privately owned", then that includes supermarket and NCP car parks, most industrial estates, the roads in many housing developments...
If you go by "owned by the policy holder", then that excludes any rented property.
TooMany2cvs said:
But it's not private and exclusively available for use by your household...
LOL. Well my half of it is. Unfortunately my neighbour overstepped his boundary on this occasion. Is any driveway exclusively available for the household? Unless you have a security gate at the end and never ever let anyone else in?
Monty Python said:
The insurance company probably think that since your neighbour has hit your car once the chances of it happening again have increased.
Indeed that may be true, let's for arguments sake say he's suddenly become the world's worst driver and is regularly bashing in to things. I still don't see how they can justify an increase to my premiums. He can ram my car every week and it's only ever his insurance that will have to pay out any money. Even if I'm hit and the driver drives off or is uninsured, they say it won't affect my bonus and the insurer claims it back through the MiB...
Saying that someone hitting me makes me more likely to cause a fault accident is dubious at best to my mind.
Edited by fourspoons on Tuesday 31st May 11:10
I don't understand, if it's not your fault why are you making a claim on your insurance?
I'd understood, "non-fault claim", meant it was not your fault, but the costs could not be recovered elsewhere so your own insurer pays it. Whereas if you're shunted from behind you don't make a claim on your insurance?
Is this not the case?
I'd understood, "non-fault claim", meant it was not your fault, but the costs could not be recovered elsewhere so your own insurer pays it. Whereas if you're shunted from behind you don't make a claim on your insurance?
Is this not the case?
Prof Prolapse said:
I don't understand, if it's not your fault why are you making a claim on your insurance?
I'd understood, "non-fault claim", meant it was not your fault, but the costs could not be recovered elsewhere so your own insurer pays it. Whereas if you're shunted from behind you don't make a claim on your insurance?
Is this not the case?
Even if you don't make a claim via your insurer, you are still the driver in a non-fault accident. Even if you don't tell them, they have 'the database' that knows, presumably fed information by which ever insurer does pay out. This is what just happened to me at my last renewal. I didn't even think to declare it and they flagged it up.I'd understood, "non-fault claim", meant it was not your fault, but the costs could not be recovered elsewhere so your own insurer pays it. Whereas if you're shunted from behind you don't make a claim on your insurance?
Is this not the case?
d's trick, but if you make a personal injury claim you can break even again. I bumped into a car once, totally my fault. It was a minor scratch so I paid for it to be fixed personally. This still put my premium up a little bit, even though there wasn't a claim.
So, as I found out, if you are paying for the repair personally, do not tell your insurance company.
So, as I found out, if you are paying for the repair personally, do not tell your insurance company.
Edited by Chainsaw Rebuild on Tuesday 31st May 12:10
fourspoons said:
No it was on my driveway
I've had this. Whilst visiting my folks a car somehow (I will never know exactly how) reversed over a kerb and drove into my car on their driveway. Impressive, really.Sorting that out through insurance was fun, it's very difficult to even get an automated quote now if you've had a claimed accident where nobody was actually in the car at the time (the option simply doesn't exist on most systems).
Jonno02 said:
It's a lottery if your car gets hit whilst parked or not. It's an inanimate object.
Total rubbish. Of course it's not a lottery. If you live in a busy narrow road, you're far more likely to get hit whilst parked. In this case the OP has a shared driveway. That makes him more likely to get hit than if he had his own driveway.TwigtheWonderkid said:
Total rubbish. Of course it's not a lottery. If you live in a busy narrow road, you're far more likely to get hit whilst parked. In this case the OP has a shared driveway. That makes him more likely to get hit than if he had his own driveway.
I think there are too many variables to make a sweeping statement like that. In my case, this is the first incident in 25 years of living here. My best mate lives in a house where they have a completely private driveway but are shuffling their households' three cars around all the time and constantly scraping bumpers..
Jonno02 said:
"Likely to be involved in another incident"
No, that doesn't hold any water in this case. It would if the OP had been driving the car at the time, as has been mentioned, the insurer might see it as 'you could do something to avoid these incidents,' but the car was parked. It's a lottery if your car gets hit whilst parked or not. It's an inanimate object.
It holds a lot of water, actually. The driver has plenty of control over how and where the car is parked. No, that doesn't hold any water in this case. It would if the OP had been driving the car at the time, as has been mentioned, the insurer might see it as 'you could do something to avoid these incidents,' but the car was parked. It's a lottery if your car gets hit whilst parked or not. It's an inanimate object.
fourspoons said:
TwigtheWonderkid said:
Total rubbish. Of course it's not a lottery. If you live in a busy narrow road, you're far more likely to get hit whilst parked. In this case the OP has a shared driveway. That makes him more likely to get hit than if he had his own driveway.
I think there are too many variables to make a sweeping statement like that. In my case, this is the first incident in 25 years of living here. My best mate lives in a house where they have a completely private driveway but are shuffling their households' three cars around all the time and constantly scraping bumpers..
Apparently this whole non fault loading premium racket is caused by the fact that due to human rights we can't have parties at fault bearing all cost because that could price them out of the market and that means they couldn't drive and that means they couldn't support their families. So you're just supporting other people's kids. Be happy.
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