Changing car insurance after accident.

[ashkl]

So i was in a car accident around 3 weeks ago and liability of the accident is still being decided. Before they said it might be a 50-50 split, but after acquiring CCTV footage im pretty confident im 100% not at fault. However, my insurance is going to finish in two weeks and my renewal quote from my insurer is 400 pounds more than what i paid last year(2700). I checked another insurer and its 1600 if i wasn't at fault and a full recovery made or 2700 if the accident was my fault and recovery wasn't made.

Not sure if i can switch to a different insurer when a claim is still being settled and if i can switch what should i put down under whos fault the accident was? Kind of in a tricky situation.

Any help would be great!

[Alucidnation]

£2700 to insure a Golf??

You should be looking at cars that are cheaper to run.

[ashkl]

Alucidnation said:

£2700 to insure a Golf??

You should be looking at cars that are cheaper to run.

It was the cheapest car i could insure(young driver), pretty much every other car was over £3000.

[ging84]

you can change insurer normally you tell them when getting a quote that the claim is still on going and they can tell you how much of a rebate you will get if the claim becomes a non fault claim

but you should be a lot less than 100% certain it will go your way, no matter how much evidence the other person was at fault you have.

[ashkl]

ging84 said:

you can change insurer normally you tell them when getting a quote that the claim is still on going and they can tell you how much of a rebate you will get if the claim becomes a non fault claim

but you should be a lot less than 100% certain it will go your way, no matter how much evidence the other person was at fault you have.

Yeah true, however i did give CCTV footage and details of eye witnesses who saw the accident.

[KevinCamaroSS]

ashkl said:

It was the cheapest car i could insure(young driver), pretty much every other car was over £3000.

What other cars have you been looking at? Things like Skoda Citigo, VW Up etc are generally cheap to insure.