Motor insurance history help
Discussion
Hello all,
Last year I had a lady pull out and hit me while I was driving in my shed, I came to a stop and she didn't. I did the dutiful thing of notifying my insurance company and also the police, the latter almost immediately closed the issue as there wasn't any evidence to hand. My insurance company wanted photos etc of the damage, but I specifically said I am not interested in claiming, it's not worth it for the minor panel damage. They said they would leave the case open for 3 months on the off chance the other driver did want to claim and it was on file as such. In October I was notified nobody had come forward and the case was now closed and recorded as a notification only. I have this as an email.
I've come to renew my insurance and have found a policy just a smidge cheaper elsewhere. Now two weeks before the policy renews I've been sent an email stating I the driver hit a third party and that I was at fault. This is all been recorded on the Motor Insurance Database apparently. It says in the email if I want to challenge this I need to contact my previous insurer which I do and they say they have it marked as not a claim and just a notification.
Has anyone get any experience with getting a record corrected on the database? I have about three other cars that are all coming up for renewal and I really can't face having to deal with more hanging on phone lines trying to get this sorted out.
Last year I had a lady pull out and hit me while I was driving in my shed, I came to a stop and she didn't. I did the dutiful thing of notifying my insurance company and also the police, the latter almost immediately closed the issue as there wasn't any evidence to hand. My insurance company wanted photos etc of the damage, but I specifically said I am not interested in claiming, it's not worth it for the minor panel damage. They said they would leave the case open for 3 months on the off chance the other driver did want to claim and it was on file as such. In October I was notified nobody had come forward and the case was now closed and recorded as a notification only. I have this as an email.
I've come to renew my insurance and have found a policy just a smidge cheaper elsewhere. Now two weeks before the policy renews I've been sent an email stating I the driver hit a third party and that I was at fault. This is all been recorded on the Motor Insurance Database apparently. It says in the email if I want to challenge this I need to contact my previous insurer which I do and they say they have it marked as not a claim and just a notification.
Has anyone get any experience with getting a record corrected on the database? I have about three other cars that are all coming up for renewal and I really can't face having to deal with more hanging on phone lines trying to get this sorted out.
Camaro said:
Hello all,
Last year I had a lady pull out and hit me while I was driving in my shed, I came to a stop and she didn't. I did the dutiful thing of notifying my insurance company and also the police, the latter almost immediately closed the issue as there wasn't any evidence to hand. My insurance company wanted photos etc of the damage, but I specifically said I am not interested in claiming, it's not worth it for the minor panel damage. They said they would leave the case open for 3 months on the off chance the other driver did want to claim and it was on file as such. In October I was notified nobody had come forward and the case was now closed and recorded as a notification only. I have this as an email.
I've come to renew my insurance and have found a policy just a smidge cheaper elsewhere. Now two weeks before the policy renews I've been sent an email stating I the driver hit a third party and that I was at fault. This is all been recorded on the Motor Insurance Database apparently. It says in the email if I want to challenge this I need to contact my previous insurer which I do and they say they have it marked as not a claim and just a notification.
Has anyone get any experience with getting a record corrected on the database? I have about three other cars that are all coming up for renewal and I really can't face having to deal with more hanging on phone lines trying to get this sorted out.
Where did the latest email come, your ins co? If so contact them and refer them to their previous email. Most likely just an admin errorLast year I had a lady pull out and hit me while I was driving in my shed, I came to a stop and she didn't. I did the dutiful thing of notifying my insurance company and also the police, the latter almost immediately closed the issue as there wasn't any evidence to hand. My insurance company wanted photos etc of the damage, but I specifically said I am not interested in claiming, it's not worth it for the minor panel damage. They said they would leave the case open for 3 months on the off chance the other driver did want to claim and it was on file as such. In October I was notified nobody had come forward and the case was now closed and recorded as a notification only. I have this as an email.
I've come to renew my insurance and have found a policy just a smidge cheaper elsewhere. Now two weeks before the policy renews I've been sent an email stating I the driver hit a third party and that I was at fault. This is all been recorded on the Motor Insurance Database apparently. It says in the email if I want to challenge this I need to contact my previous insurer which I do and they say they have it marked as not a claim and just a notification.
Has anyone get any experience with getting a record corrected on the database? I have about three other cars that are all coming up for renewal and I really can't face having to deal with more hanging on phone lines trying to get this sorted out.
So as an update to you all,
Complained to the new insurance company about bumping up my premium. It turns out that no matter whether a claim was made or not, whether you were at fault or not, the moment you register it with a provider it goes on your record and can't be scrubbed for 5 years.
So thanks to some ones else who left the scene, I now have to notify the insurance companies that I was involved in someone hitting me, it wasn't my fault and I didn't make a claim, because of this all my premiums are expected to rise by circa £40~
Sometimes I really do wonder who polices this stuff as this just isn't fair, being honest.
Complained to the new insurance company about bumping up my premium. It turns out that no matter whether a claim was made or not, whether you were at fault or not, the moment you register it with a provider it goes on your record and can't be scrubbed for 5 years.
So thanks to some ones else who left the scene, I now have to notify the insurance companies that I was involved in someone hitting me, it wasn't my fault and I didn't make a claim, because of this all my premiums are expected to rise by circa £40~
Sometimes I really do wonder who polices this stuff as this just isn't fair, being honest.
Camaro said:
Sometimes I really do wonder who polices this stuff as this just isn't fair, being honest.
Insurance isn't about fairness, but about statistics. Which is how it should be. There are people paying a hell of a lot more than you because of things they can't do anything about, like their age. It's not fair that a teenager pays more for car insurance than a 50 year old. The teenager had done nothing wrong. Or that the 50 y/o pays more for life insurance. Or that the bloke with cancer can't buy life insurance at all. None of it is fair. Welcome to life, it's not fair. TwigtheWonderkid said:
Camaro said:
Sometimes I really do wonder who polices this stuff as this just isn't fair, being honest.
Insurance isn't about fairness, but about statistics. Which is how it should be. There are people paying a hell of a lot more than you because of things they can't do anything about, like their age. It's not fair that a teenager pays more for car insurance than a 50 year old. The teenager had done nothing wrong. Or that the 50 y/o pays more for life insurance. Or that the bloke with cancer can't buy life insurance at all. None of it is fair. Welcome to life, it's not fair. FMOB said:
TwigtheWonderkid said:
Camaro said:
Sometimes I really do wonder who polices this stuff as this just isn't fair, being honest.
Insurance isn't about fairness, but about statistics. Which is how it should be. There are people paying a hell of a lot more than you because of things they can't do anything about, like their age. It's not fair that a teenager pays more for car insurance than a 50 year old. The teenager had done nothing wrong. Or that the 50 y/o pays more for life insurance. Or that the bloke with cancer can't buy life insurance at all. None of it is fair. Welcome to life, it's not fair. I had a similar reaction when it happened to me, OP.
The main thing was the surprise as, like you, I wasn't aware that that's how it worked.
There wasn't a significant effect on my premiums, ~£20-30 for a couple of years. Even though you have to declare it for 5 years it only seems to affect the first 2-3 years for most people, if at all (as long as nothing else happens of course). For some there is no effect at all.
I do understand why they do it though - in the cold hard world of statistics, the likelihood of it happening again has gone up slightly.
Sad fact of life/insurance
The main thing was the surprise as, like you, I wasn't aware that that's how it worked.
There wasn't a significant effect on my premiums, ~£20-30 for a couple of years. Even though you have to declare it for 5 years it only seems to affect the first 2-3 years for most people, if at all (as long as nothing else happens of course). For some there is no effect at all.
I do understand why they do it though - in the cold hard world of statistics, the likelihood of it happening again has gone up slightly.
Sad fact of life/insurance
RGG said:
This happened to me.
Virtually the same.
I didn't complain just telephoned and pressed the actuality.
The insurance company removed any negative marker on the database.
Company was John Lewis / Provident.
I think you got lucky there. I would be doing a DSAR (Date Subject Access Request - give me all the data you hold on me) on CUE, to make sure they'd actually taken it off.Virtually the same.
I didn't complain just telephoned and pressed the actuality.
The insurance company removed any negative marker on the database.
Company was John Lewis / Provident.
Dingu said:
FMOB said:
TwigtheWonderkid said:
Camaro said:
Sometimes I really do wonder who polices this stuff as this just isn't fair, being honest.
Insurance isn't about fairness, but about statistics. Which is how it should be. There are people paying a hell of a lot more than you because of things they can't do anything about, like their age. It's not fair that a teenager pays more for car insurance than a 50 year old. The teenager had done nothing wrong. Or that the 50 y/o pays more for life insurance. Or that the bloke with cancer can't buy life insurance at all. None of it is fair. Welcome to life, it's not fair. Sebring440 said:
FMOB said:
I would say the OP isn't being treated fairly and is being materially disadvantaged by the new insurer because the statistics aren't giving a full picture of what actually happened.
And what would you advise the OP does, after that magnificent statement?The insurance industry relies on sets of statistics that are justified by other sets of statistics which are justified again by another set that create an insular and incestuous industry that is opaque and a mystery to most consumers who are forced to become customers.
FMOB said:
Sebring440 said:
FMOB said:
I would say the OP isn't being treated fairly and is being materially disadvantaged by the new insurer because the statistics aren't giving a full picture of what actually happened.
And what would you advise the OP does, after that magnificent statement?The insurance industry relies on sets of statistics that are justified by other sets of statistics which are justified again by another set that create an insular and incestuous industry that is opaque and a mystery to most consumers who are forced to become customers.
Camaro said:
So as an update to you all,
Complained to the new insurance company about bumping up my premium. It turns out that no matter whether a claim was made or not, whether you were at fault or not, the moment you register it with a provider it goes on your record and can't be scrubbed for 5 years.
So thanks to some ones else who left the scene, I now have to notify the insurance companies that I was involved in someone hitting me, it wasn't my fault and I didn't make a claim, because of this all my premiums are expected to rise by circa £40~
Sometimes I really do wonder who polices this stuff as this just isn't fair, being honest.
You might find that it doesn’t make much difference if you use some of the comparison websites. While some insurance companies will want a significant premium others won’t be bothered. Complained to the new insurance company about bumping up my premium. It turns out that no matter whether a claim was made or not, whether you were at fault or not, the moment you register it with a provider it goes on your record and can't be scrubbed for 5 years.
So thanks to some ones else who left the scene, I now have to notify the insurance companies that I was involved in someone hitting me, it wasn't my fault and I didn't make a claim, because of this all my premiums are expected to rise by circa £40~
Sometimes I really do wonder who polices this stuff as this just isn't fair, being honest.
My wife learnt to drive fairly late. In her first year she wrote her car off her fault, second year she wrote my car off not at fault, third year 3 points for speeding, year 5 she got 6 points for not declaring who was driving through red light camera.
Guess what, every year her insurance came down significantly and reduced mine by a fair bit adding her.
Each year was a different insurer through the meerkats.
This week I did a quote through Adrian flux, for my daily diesel the quote was £1050ish. Out of curiosity I wondered how much it would go up if I had it remapped. They then quoted £650ish, so someone’s algorithm thinks I’m less of a risk in a remapped car.
Don’t try to figure it out, don’t try to fight it, just shop around and make sure the cover is right for you.
RGG said:
This happened to me.
Virtually the same.
I didn't complain just telephoned and pressed the actuality.
The insurance company removed any negative marker on the database.
Company was John Lewis / Provident.
As above call them and get it removed.Virtually the same.
I didn't complain just telephoned and pressed the actuality.
The insurance company removed any negative marker on the database.
Company was John Lewis / Provident.
When I tried to renew my Z4 insurance this year I got some crazy quotes which I couldn't understand why.
It turned out that I had two claims registered for the same claim. Two phone calls and it was all sorted.
FMOB said:
Dingu said:
FMOB said:
TwigtheWonderkid said:
Camaro said:
Sometimes I really do wonder who polices this stuff as this just isn't fair, being honest.
Insurance isn't about fairness, but about statistics. Which is how it should be. There are people paying a hell of a lot more than you because of things they can't do anything about, like their age. It's not fair that a teenager pays more for car insurance than a 50 year old. The teenager had done nothing wrong. Or that the 50 y/o pays more for life insurance. Or that the bloke with cancer can't buy life insurance at all. None of it is fair. Welcome to life, it's not fair. 
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