Driver admitting liability wants to go through insurance?

[LoonR1]

lord summerisle said:

well that explains why I was thinking the asda car park looked like the one in Rawtenstall.

could always contact 'anniesdad' on here. he is Steve Greensmith at http://www.europaconsultants.co.uk
he looked after my accident a few years ago when a van ran into the back of my MX5.

yes you still need to inform your insurance company. but this way they'll pick your car up and drop off a hire car. get yours fixed at an approved garage and return the fixed car back to you. The advatange is you dont have to shell out your excess while the insurance companys argue for a few months over whoes fault it is... before returning your excess. Europa will deal with the 3rd party and their insurance for you.

Or he could just do exactly the same with the other sides insurer and it would cost around 20% of what an AMC would charge. Pity more people can't connect the dots when they use an AMC and the impact on premiums in general.

[sebhaque]

I've indulged in a few beers tonight and sort of skim-read the thread, I'm sure I've heard of people claiming for the rise in their insurance prices after a non-fault claim, after all insurance is there just to put you back into the same situation as you were before a crash. You might need to run it past LoonR1 or another insurance guru, but I've always been under the impression that if you have a non-fault incident and claim for the damage to your car, you can also claim for the rise in insurance price, as it wasn't your fault that you're now in a higher insurance risk category.

[LoonR1]

sebhaque said:

I've indulged in a few beers tonight and sort of skim-read the thread, I'm sure I've heard of people claiming for the rise in their insurance prices after a non-fault claim, after all insurance is there just to put you back into the same situation as you were before a crash. You might need to run it past LoonR1 or another insurance guru, but I've always been under the impression that if you have a non-fault incident and claim for the damage to your car, you can also claim for the rise in insurance price, as it wasn't your fault that you're now in a higher insurance risk category.

I've already stated that it can't be done successfully.

[sebhaque]

LoonR1 said:

I've already stated that it can't be done successfully.

Apologies, should have engaged my brain tonight. Sebhaque bowing out...

[R8Steve]

Wacky Racer said:

With respect, why should my son have to put up with a door from a scrapyard on his car?

It was in first class condition before this.

He is very lucky witnesses were present at the time.

Thanks to all for the helpful replies btw, appreciated...

He shouldn't, that's why he should let her insurance company sort it, no hassle, courtesy car, etc

[Heskey]

Hi all,

Thanks for your lively input; be assured I have been reading although from the looks of things many people are as in the dark as me when it comes to the intricacies of the motor insurance world...

The other party rang me on Saturday morning to say he'd contacted their insurers to report the accident and claim liability, and said their motor claim company would be in touch with me on Monday.

They rang me earlier and said repairing through their approved garages will give me 3 year guarantee on the repairs, a lifetime guarantee on the paint, and a guarantee that any parts and paint used are genuine Kia products. They'll contact me in a few days with a garage to repair it, and leave me with a courtesy car that I'll need a cover note for from Aviva that Redstar Equity (other party's insurers) will reimburse the cost for.

I've rang Aviva's claim line and reported this as a non-fault accident giving the full circumstances, and spoken with customer services who confirm that it will not affect my no claims discount, and although it's only possible to see if my premium is affected when it comes to renewal, he's relatively certain that a non-fault claim that I nor they have to pay out for won't affect my renewal.

Let's see what happens.

[Ki3r]

Heskey said:

he's relatively certain that a non-fault claim that I nor they have to pay out for won't affect my renewal.

Let's see what happens.

They said that to me too .

[big_boz]

Heskey said:

I've rang Aviva's claim line and reported this as a non-fault accident giving the full circumstances, and spoken with customer services who confirm that it will not affect my no claims discount, and although it's only possible to see if my premium is affected when it comes to renewal, he's relatively certain that a non-fault claim that I nor they have to pay out for won't affect my renewal.

That is a load of tripe my friend, If you have an accident on file your insurance premium WILL increase.

This has happened to me thrice, first in 2008 i was queuing in traffic and an arctic decided to change lanes across me, despite my beeping he basically ran the front of my car over, all witnessed, car written off but my 7yrs protected NCD was unaffected. Replaced the car with a new Aygo still with 6 months left to run on the existing premium. Aygo cost me £400 to insure, which upon renewal increased to £600, A few months later......

Aygo was on a petrol station forecourt while i was inside paying and dope in a golf managed to under egg the turn and swiped the front corner of my car with hers and she sped off. All captured on CCTV, £200 of damage plus a hire car, obviously not my fault all costs recovered and NCD unaffected, insurance increased to £780 on renewal....

Last October paying £700 on an A4 TDI sport (but now with 3 points) i got rear ended at speed on the M1, obviously the TP's fault, all settled in my favor, car was fully repaired with numerous warranties for the repairs, renewal price 5 months later....£1800, yes...£1100 more.

Nothing other than the accident to explain the increase. I even spoke to the local police to check car crime stats in my postcode and virtually no change year on year.

I did some shopping around and managed to get it down to £1400. Im 32 with 8 years protected NCD, 3 points on a TS10..and that's it. Got rid of the car and went back to taking a company lease car with inclusive insurance, I refuse to pay that much on insurance, i would rather get taxis.

I asked the insurance company to provide a breakdown of the premium quoted, but they refused.

[LoonR1]

big_boz said:

That is a load of tripe my friend, If you have an accident on file your insurance premium WILL increase.

This has happened to me thrice, first in 2008 i was queuing in traffic and an arctic decided to change lanes across me, despite my beeping he basically ran the front of my car over, all witnessed, car written off but my 7yrs protected NCD was unaffected. Replaced the car with a new Aygo still with 6 months left to run on the existing premium. Aygo cost me £400 to insure, which upon renewal increased to £600, A few months later......

Aygo was on a petrol station forecourt while i was inside paying and dope in a golf managed to under egg the turn and swiped the front corner of my car with hers and she sped off. All captured on CCTV, £200 of damage plus a hire car, obviously not my fault all costs recovered and NCD unaffected, insurance increased to £780 on renewal....

Last October paying £700 on an A4 TDI sport (but now with 3 points) i got rear ended at speed on the M1, obviously the TP's fault, all settled in my favor, car was fully repaired with numerous warranties for the repairs, renewal price 5 months later....£1800, yes...£1100 more.

Nothing other than the accident to explain the increase. I even spoke to the local police to check car crime stats in my postcode and virtually no change year on year.

I did some shopping around and managed to get it down to £1400. Im 32 with 8 years protected NCD, 3 points on a TS10..and that's it. Got rid of the car and went back to taking a company lease car with inclusive insurance, I refuse to pay that much on insurance, i would rather get taxis.

I asked the insurance company to provide a breakdown of the premium quoted, but they refused.

You do know that insurance prices go up and down all the time and that the fact that your situation hasn't changed doesn't mean the premium won't. Simplistically speaking if all insurance claims were twice as expensive this year as last and there were exactly the same amount of claims each year, then premiums across the board would double.

Oh and not all insurers charge more for a non fault accident being on your record

[big_boz]

LoonR1 said:

You do know that insurance prices go up and down all the time and that the fact that your situation hasn't changed doesn't mean the premium won't. Simplistically speaking if all insurance claims were twice as expensive this year as last and there were exactly the same amount of claims each year, then premiums across the board would double.

Oh and not all insurers charge more for a non fault accident being on your record

Yes i am aware of that fact, i am also aware that on average insurance premiums have doubled in the last 5 years, are you suggesting that a 100% increase within a 12 month period is normal? A s is said i did some shopping around and all i could do was shave a few hundred off so it is not like we are just talking about my insurer at the time (more than).

However insurance is Risk based so I am sorry but if you can find an insurance company that does not increase premiums for people with accidents, then they must inherently be charging more for the base premium in the first instance to account for the inherent increased risk.

What i find more interesting is that the insurance on my Audi increased to £1400 or effectively doubled in 12 months, however the insurance on my classic car stayed almost static at c.£100pa.

This would indicate that there is 1/14 the the risk of me having an accident/making a claim in my 40 year old car that i drive 6k miles a year as there is in my newer car that i drive roughly double the miles, also worthy of note is that i do not use any NCD in use on the classic policy. so in reality if the £1400 on the Audi was with a 70% discount we are comparing c£3.3k to £100......

[mrmr96]

Heskey said:

Hi,

Bottom Line: A driver reversed into my unattended parked car earlier this week and drove off without realising. Two witnesses gave me the registration. I've tracked her down and she's admitted fault and willingness to pay, but after hearing a few repairs quotes from garages I know, she wishes to pay for my repair through her insurance company. What do I do?

You get her to call he insurer and she'll be given a claim phone number and a claim reference number to give to you. You then phone her insurer and take it from there. There's no need to tell your insurer at this time. They may well ask you about any accidents/claims when you get to renewal. However given that it's happened you'd be equally as much a liar if you deny it now v. deny it without claiming. So you've nothing to lose going through her insurance IMO.

[WanThyme]

Heskey said:

Hi all,

Thanks for your lively input; be assured I have been reading although from the looks of things many people are as in the dark as me when it comes to the intricacies of the motor insurance world...
The other party rang me on Saturday morning to say he'd contacted their insurers to report the accident and claim liability, and said their motor claim company would be in touch with me on Monday.
They rang me earlier and said repairing through their approved garages will give me 3 year guarantee on the repairs, a lifetime guarantee on the paint, and a guarantee that any parts and paint used are genuine Kia products. They'll contact me in a few days with a garage to repair it, and leave me with a courtesy car that I'll need a cover note for from Aviva that Redstar Equity (other party's insurers) will reimburse the cost for.
I've rang Aviva's claim line and reported this as a non-fault accident giving the full circumstances, and spoken with customer services who confirm that it will not affect my no claims discount, and although it's only possible to see if my premium is affected when it comes to renewal, he's relatively certain that a non-fault claim that I nor they have to pay out for won't affect my renewal.
Let's see what happens.

You've been through all this when if you posted the name of your insurer at the very beginning, I, or any other insurance bod in the know could have told you this non fault claim would have no bearing at renewal.
You seemed 100% certain it would which has lead us all to deduce you were with one of the others. Sigh.

Still, all's well that ends well.

[LoonR1]

big_boz said:

Yes i am aware of that fact, i am also aware that on average insurance premiums have doubled in the last 5 years, are you suggesting that a 100% increase within a 12 month period is normal? A s is said i did some shopping around and all i could do was shave a few hundred off so it is not like we are just talking about my insurer at the time (more than).

If the market has trended that way then surely that's telling you something. It's just as likely that insurers have seen a sudden spike in claims from people in your demographic and are pricing in for this in the coming policy year.

big_boz said:

However insurance is Risk based so I am sorry but if you can find an insurance company that does not increase premiums for people with accidents, then they must inherently be charging more for the base premium in the first instance to account for the inherent increased risk.

Not necessarily, your classic insurance is a (ahem) classic example of this. Operate in a specific market only and the vaguaries of a wider book are minimised.

big_boz said:

What i find more interesting is that the insurance on my Audi increased to £1400 or effectively doubled in 12 months, however the insurance on my classic car stayed almost static at c.£100pa.

This would indicate that there is 1/14 the the risk of me having an accident/making a claim in my 40 year old car that i drive 6k miles a year as there is in my newer car that i drive roughly double the miles, also worthy of note is that i do not use any NCD in use on the classic policy. so in reality if the £1400 on the Audi was with a 70% discount we are comparing c£3.3k to £100......

Classic polices don't have NCD accruing, because they're priced at effectively max NCD and then some anyway. Classic policies are not comparable with normal PL policies, as the use of the car is usually very limited. For example, few would take their classic car out in rush hour in a snowstorm, whereas most won't bat an eyelid doing this in an Audi every day car.

Timing, mileage, experience of claims, use for, even weather are all relevant risk factors.

I have several motorbikes, the chances of me making a claim (other than for fire / theft) before February next year are zero, as I won't be riding any of them until then. Whereas the van I use to transport them has the same risk for the remainder of the year, as I will still use this to transport the bikes to & from the dealers. Both are on the same annual mileage allowances.

[big_boz]

LoonR1 said:

big_boz said:

Yes i am aware of that fact, i am also aware that on average insurance premiums have doubled in the last 5 years, are you suggesting that a 100% increase within a 12 month period is normal? A s is said i did some shopping around and all i could do was shave a few hundred off so it is not like we are just talking about my insurer at the time (more than).

If the market has trended that way then surely that's telling you something. It's just as likely that insurers have seen a sudden spike in claims from people in your demographic and are pricing in for this in the coming policy year.

big_boz said:

However insurance is Risk based so I am sorry but if you can find an insurance company that does not increase premiums for people with accidents, then they must inherently be charging more for the base premium in the first instance to account for the inherent increased risk.

Not necessarily, your classic insurance is a (ahem) classic example of this. Operate in a specific market only and the vaguaries of a wider book are minimised.

big_boz said:

What i find more interesting is that the insurance on my Audi increased to £1400 or effectively doubled in 12 months, however the insurance on my classic car stayed almost static at c.£100pa.

This would indicate that there is 1/14 the the risk of me having an accident/making a claim in my 40 year old car that i drive 6k miles a year as there is in my newer car that i drive roughly double the miles, also worthy of note is that i do not use any NCD in use on the classic policy. so in reality if the £1400 on the Audi was with a 70% discount we are comparing c£3.3k to £100......

Classic polices don't have NCD accruing, because they're priced at effectively max NCD and then some anyway. Classic policies are not comparable with normal PL policies, as the use of the car is usually very limited. For example, few would take their classic car out in rush hour in a snowstorm, whereas most won't bat an eyelid doing this in an Audi every day car.

Timing, mileage, experience of claims, use for, even weather are all relevant risk factors.

I have several motorbikes, the chances of me making a claim (other than for fire / theft) before February next year are zero, as I won't be riding any of them until then. Whereas the van I use to transport them has the same risk for the remainder of the year, as I will still use this to transport the bikes to & from the dealers. Both are on the same annual mileage allowances.

To a point i agree with what you are saying, yes the trend in general is on the up so yes i would expect to have seen an increase regardless of claims, but 100% increase in a 12 month period for one no-fault accident...i think not. As such the no fault claim must making up the lions share of the increase would you not agree?

To your point about a classic policy, i should mention that this does and always has included commuting and living outdoors parked next to Audi, so risk wise apart from the mileage limitation being 6k not 12k why is there such a big gap? with 7 years NCD being the maximum and your implication that classic polices default to max NCD anyway that just means that its still 14 times more likely that i will make a claim in double the miles? in addition the classic is on an agreed value policy which actually books it as 30% more valuable than the Audi was at the time....

Also if you are implying that the insurance companies that do not class a non-fault as a negative are those that operate within a certain niche, with the OP being a young male driver in an modern car, I can not see how this is relevant to him...if there was a company providing this sort of cover for your male drivers i suspect we would all know about them!

[LoonR1]

big_boz said:

To a point i agree with what you are saying, yes the trend in general is on the up so yes i would expect to have seen an increase regardless of claims, but 100% increase in a 12 month period for one no-fault accident...i think not. As such the no fault claim must making up the lions share of the increase would you not agree?

To your point about a classic policy, i should mention that this does and always has included commuting and living outdoors parked next to Audi, so risk wise apart from the mileage limitation being 6k not 12k why is there such a big gap? with 7 years NCD being the maximum and your implication that classic polices default to max NCD anyway that just means that its still 14 times more likely that i will make a claim in double the miles? in addition the classic is on an agreed value policy which actually books it as 30% more valuable than the Audi was at the time....

Also if you are implying that the insurance companies that do not class a non-fault as a negative are those that operate within a certain niche, with the OP being a young male driver in an modern car, I can not see how this is relevant to him...if there was a company providing this sort of cover for your male drivers i suspect we would all know about them!

The trend is up on premiums, although the last 6 months have seen a reducing average premium. The non-fault may or may not be making up the lions share, I have no way of knowing without running two proposals through, one with and one without the cliam, that will tell you exactly what difference it makes, as long as you compare the prices of each underwriter directly and not on cheapest price.

The gap is as simple as insurers seeing lower claims on classic policies. mainly because those with classic cars tend to drive them very, very safely. Whether yours has a few extra bits n bobs is irrelevant, as I keep saying premiums are not bespoke, they are the result of grouping demographics.

I'm not suggesting niche markets. Quite the opposite, I'm saying most mainstream insurers simply remove certain types of driver from their book by pricing them out. That creates the opportunity for a niche, but that niche is not going to sell at a ridiculous loss. There is a reason some drivers are priced out and that is that their risk becomes too high to makeit viable to cover them.

If insurers see a correlation between those making a non fault claim and a subsequent fault claim then they will price higher, as they are predicting the future, not penalising the past (despite people thinking they are). Some insurers see no correlation and do not amend their price; others see a flipped correlation and will reduce their price. Not all insurers price the same way, as you suggested.

[big_boz]

LoonR1 said:

I'm not suggesting niche markets. Quite the opposite, I'm saying most mainstream insurers simply remove certain types of driver from their book by pricing them out. That creates the opportunity for a niche, but that niche is not going to sell at a ridiculous loss. There is a reason some drivers are priced out and that is that their risk becomes too high to makeit viable to cover them.

If insurers see a correlation between those making a non fault claim and a subsequent fault claim then they will price higher, as they are predicting the future, not penalising the past (despite people thinking they are). Some insurers see no correlation and do not amend their price; others see a flipped correlation and will reduce their price. Not all insurers price the same way, as you suggested.

Ok, so classic car and niche market element to one side. Agreed that as a risk reduction method a certain demographic may be "priced out" according to inherent risk to the benefit of the wider insured base. So for instance young male drivers have very high premiums, and i have no doubt that this is because there is a bigger risk of them making a claim, thus an insurer with less or no (saga for instance) young drivers will be able to offer lower premiums, as the total risk of the insured base is lower.

My point is that as a young male drive the OP is not going to benefit from any of that, being...a young male driver, through no fault of his own is going to have an accident logged against him. I understand what you are saying about not all insurers price policies using the same criteria, but a young male driver with a claim of any description must surely being a greater risk than one without....?

[LoonR1]

big_boz said:

Ok, so classic car and niche market element to one side. Agreed that as a risk reduction method a certain demographic may be "priced out" according to inherent risk to the benefit of the wider insured base. So for instance young male drivers have very high premiums, and i have no doubt that this is because there is a bigger risk of them making a claim, thus an insurer with less or no (saga for instance) young drivers will be able to offer lower premiums, as the total risk of the insured base is lower.

My point is that as a young male drive the OP is not going to benefit from any of that, being...a young male driver, through no fault of his own is going to have an accident logged against him. I understand what you are saying about not all insurers price policies using the same criteria, but a young male driver with a claim of any description must surely being a greater risk than one without....?

Agreed they could be a higher risk, but as before one insurer may see a link that a non-fault claim means that you don't claim again for another 2 years, in which case they may price cheaper.

All I'm saying is that not all will automatically increase the premium.

[big_boz]

LoonR1 said:

Agreed they could be a higher risk, but as before one insurer may see a link that a non-fault claim means that you don't claim again for another 2 years, in which case they may price cheaper.

I understand the logic in what you are saying, but i cant bring myself to believe it, especially for a young male, perhaps for a 50 year old.......

Maybe its just the cynic in me!

[R8Steve]

Just to clarify the real world difference - Taken from Tesco Compare

• AUDI R8 R8 FSI (420) COUPE Annual premium, inclusive of insurance premium tax £445.20

and with a recent £350 non fault claim declared

• AUDI R8 R8 FSI (420) COUPE Annual premium, inclusive of insurance premium tax £452.38

Hardly a difference I would wanting to be stick a door from a scrappy on my car for

[robinessex]

To late!!! I believe I've seen in another Forum here, that once you've spoken to your insurance company about the incident, they've now logged it against your policy number, and even if you don't get them involved, you're going to have a 'black' mark against you.