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

[EdEd]

A women crashed into the rear of my car whilst on the motorway last year. She admitted full liability, fault etc. All was done through her insurance. I am now going to renew my insurance and the prices have hiked from what was around £2000 last year to at least £3500 now through all comparison websites. I have tried all websites and companies. I even have 1 years no claims bonus....

This means I will have to sell my car.....

All of this for something what was not even my fault, how does the system work for this bullst?

Is there anything else I can do about this?

[EdEd]

I was insured through a company but they changed all their policies according to my insurance group so they would not insure my anymore due to the type of car I have and age.. That company was Zurich.

[EdEd]

TooMany2cvs said:

But others will insure you - just not for a price you think reasonable.

Have you checked to see what it would be without that at-fault claim? Perhaps it's just risen for you generally.

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. Ergo, they're higher risk.

Yes true, I can get insured with quotes but not with what I can afford, therefore cannot get insured. 75% increase is not what anyone is going to pay in my personal opinion. £1500 increase.....

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...

[EdEd]

Soov535 said:

So you're driving a car you can't afford. Sell it and buy something cheaper to insure.

I appreciate your advice.

[EdEd]

The thing is as I will have to put this on my policy for the next 5 years, it will haunt me till then...I have estimated what it would be next year, the following year etc on all various types of cars. The summary is I will be forced to drive a small, 'typical' first time drivers car until this is of my insurance unless I wish to pay the extortionate prices, bearing in mind I am not involved in another accident which is not my fault..... Don't understand how this is legal in all respects.

[EdEd]

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]

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.

[EdEd]

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.

[EdEd]

Thanks for the advice, does anyone have any suggestions of specialist car insurance?

[EdEd]

Marvtec said:

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.

Thanks for the suggestions people.

They scan through a database and it details everything, found that out the first time over the phone..

[EdEd]

Thanks for all the input, and the gent above who tried it himself...

After trying every single (I can think off & what google says) comparison website, insurer and broker.... and also changing various inputs over and over again...and also going directly to insurers and trying their inputs etc.....and also phoning insurers etc....... the lowest I could get it down to was just over £2400....without the accident it would be, £1500. £900 increase due to a non fault accident. That's the best result I have got it down to today anyway.

Not bad at all for an S3 at 19, but £900 increase for a non fault accident and no claim made on my insurance, shocked.