Hit up the rear whilst stationary…
Discussion
trickywoo said:
You’ll have to declare it for insurance renewals for the next five years and despite it not being your fault you’ll almost certainly you might pay more than if it never happened.
FWIW, Mrs ZS had an at fault accident a few years back, minor damage to the other vehicle but hers was written off (£6k Fiesta). There was no noticeable increase in her premium.trickywoo said:
Turn7 said:
What’s the likely affect on me for this ?
You’ll have to declare it for insurance renewals for the next five years and despite it not being your fault you’ll almost certainly pay more than if it never happened.That’s just unfair though, even if I’m unsurprised.
Zetec-S said:
FWIW, Mrs ZS had an at fault accident a few years back, minor damage to the other vehicle but hers was written off (£6k Fiesta). There was no noticeable increase in her premium.
I used to work for one of the major underwriting firms. A non fault accident regardless of injury, would never incur a loading. Not to say it never happens, but it shouldn't adversely affect your premium. A few years back this happened to me. The other driver, who admitted fault, was insured with Direct Line. I notified my insurance company but Direct Line took care of everything. They agreed to have my car repaired at the garage of my choice and provided a hire car whilst mine was being repaired. Despite needing to declare the accident for the next 5 years, I never noticed and significant increase in insurance premiums.
Turn7 said:
trickywoo said:
Turn7 said:
What’s the likely affect on me for this ?
You’ll have to declare it for insurance renewals for the next five years and despite it not being your fault you’ll almost certainly pay more than if it never happened.That’s just unfair though, even if I’m unsurprised.
2) It’s not unfair if there is an impact, it will be due to people being more likely to have a fault claim after having a non fault one. So if anything it’s actually fair despite the perception.
So it might affect it, although you have an easy way to compare prices from the majority of the market to minimise/avoid this.
RoadToad84 said:
I used to work for one of the major underwriting firms. A non fault accident regardless of injury, would never incur a loading. Not to say it never happens, but it shouldn't adversely affect your premium.
Why bother asking the question, seems a waste of everyone’s time if that is the case.I’d expect if you end up having more than one it would make a noticeable difference.
RoadToad84 said:
I used to work for one of the major underwriting firms. A non fault accident regardless of injury, would never incur a loading. Not to say it never happens, but it shouldn't adversely affect your premium.
I just ran a comparison for a £1,500 no injury non-fault claim, bog standard car and circumstances, and one with no accidents and the no accidents cheapest quote was just under 5% lower than the one non-fault comparison.There were also a lot more quotes near the cheapest for no accidents where the spread between the cheapest 5 for one non-fault was a lot bigger.
Turn7 said:
At a T junction last night….
Cars driveable but not pretty.
Have put a claim in with direct line , my insurer and have all his details.
What’s the likely affect on me for this ?
Not massively relevant, but you could have gone straight to the other party's insurer instead of your own. They'd be keen to look after you with a replacement vehicle, etc, to avoid all the cost escalation they'd likely see from a claim coming via your own insurer.Cars driveable but not pretty.
Have put a claim in with direct line , my insurer and have all his details.
What’s the likely affect on me for this ?
PorkInsider said:
Turn7 said:
At a T junction last night….
Cars driveable but not pretty.
Have put a claim in with direct line , my insurer and have all his details.
What’s the likely affect on me for this ?
Not massively relevant, but you could have gone straight to the other party's insurer instead of your own. They'd be keen to look after you with a replacement vehicle, etc, to avoid all the cost escalation they'd likely see from a claim coming via your own insurer.Cars driveable but not pretty.
Have put a claim in with direct line , my insurer and have all his details.
What’s the likely affect on me for this ?
Turn7 said:
As I suspected ….
That’s just unfair though, even if I’m unsurprised.
I parked a car up on my road. It was there for two days, then got hit whilst parked by a skip lorry driving down the road.That’s just unfair though, even if I’m unsurprised.
It was caught on camera, we put in the claim, following year my insurers added circa 5% to my premium due to the claim (they declared the increase to me).
Fairness has nothing to do with insurance...profiteering most certainly does!
Grumps. said:
On the few occasions this has happened, we have always just gone straight to our insurers, given them all the details and had the car repaired with no increase in premiums at the following renewal as they have recouped their costs from the third party.
Similar experience to me. The only 'accident' I have ever been involved with was when someone drove into my car while it was parked. The driver took full responsibility, I informed my insurers (seafarer related), who liaised with his insurers (big red telephone related). Mangled bumper was fixed, non fault claim, no noticeable effect on my premium since then despite me needing to declare it until, I think, next year. In fact I think it actually went down the following year!There's no real way to tell what will happen to your premiums until you actually start plugging the details in and getting quotes. Anything else is just finger in the wind stuff.
trickywoo said:
I just ran a comparison for a £1,500 no injury non-fault claim, bog standard car and circumstances, and one with no accidents and the no accidents cheapest quote was just under 5% lower than the one non-fault comparison.
There were also a lot more quotes near the cheapest for no accidents where the spread between the cheapest 5 for one non-fault was a lot bigger.
The aggregator sites will be less accurate than going direct to a broker. The algorithms they use are very black and white and will fall over with very little encouragement. There were also a lot more quotes near the cheapest for no accidents where the spread between the cheapest 5 for one non-fault was a lot bigger.
Grumps. said:
trickywoo said:
You’ll have to declare it for insurance renewals for the next five years and despite it not being your fault you’ll almost certainly pay more than if it never happened.
From my experiences in similar situations, this is b
ks.Why does everyone have to be so rude?
PorkInsider said:
Not massively relevant, but you could have gone straight to the other party's insurer instead of your own. They'd be keen to look after you with a replacement vehicle, etc, to avoid all the cost escalation they'd likely see from a claim coming via your own insurer.
Not necessarily the case. I was knocked off my pushbike a few weeks ago. Rang the driver's insurer directly and they didn't want to know at all. I was only after having the costs of my bike repairs covered. It later turned out I'd broken my neck, so I got a solicitor involved.
PorkInsider said:
Turn7 said:
At a T junction last night….
Cars driveable but not pretty.
Have put a claim in with direct line , my insurer and have all his details.
What’s the likely affect on me for this ?
Not massively relevant, but you could have gone straight to the other party's insurer instead of your own. They'd be keen to look after you with a replacement vehicle, etc, to avoid all the cost escalation they'd likely see from a claim coming via your own insurer.Cars driveable but not pretty.
Have put a claim in with direct line , my insurer and have all his details.
What’s the likely affect on me for this ?
He gave all his details but sat alomost in shock in the car.
I never thought about going his , surely my lot will chase his for payment ?
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