Non-fault Accident and Insurance...
Discussion
StuE39 said:
sorry that your car was hit OP - it is very frustrating.
I am interested in the damage to the car though. Why can't the damage on the diffuser be repaired instead of replaced? I'm not sure if I am missing something in the photo showing the damage to it.
Unless its something special, I suspect the 'diffuser' is just a plastic bumper piece that has been moulded to look like one rather than an actual one.I am interested in the damage to the car though. Why can't the damage on the diffuser be repaired instead of replaced? I'm not sure if I am missing something in the photo showing the damage to it.
AllyBassman said:
Mo28 said:
He has dashcam footage
He'll have no problem, I had dashcam footage showing that I was not at fault (someone went into the back of me)It will go down as non-fault.
OP - just make sure to notify your insurers and make sure they understand what happened and that you have dashcam footage. Once you send it to them, make sure they have received it..... I had to send mine a few times to AA insurance (who are useless BTW) and call them every week to make sure the claim was on track.
The quotes he’s received are based on a non-fault claim.
A couple of years ago a parked car rolled down my street into my car. I saw it roll while I was on my sofa watching TV. Caused around £600 worth of damage. Neighbour was very apologetic and we swapped insurance details and got it sorted.
2 weeks later my motorbike insurance was up for renewal - went through the process and they said as I had an unresolved non-fault claim, that will be another £300 please. As you can imagine I was a little annoyed (huge understatement).
However they did say that once I could prove the claim was settled and remained non-fault, they would refund the additional premium.
Which they did.
Overall I would say my experience was fair, not sure if this is the norm though.
2 weeks later my motorbike insurance was up for renewal - went through the process and they said as I had an unresolved non-fault claim, that will be another £300 please. As you can imagine I was a little annoyed (huge understatement).
However they did say that once I could prove the claim was settled and remained non-fault, they would refund the additional premium.
Which they did.
Overall I would say my experience was fair, not sure if this is the norm though.
I don’t know why people are often so surprised when their renewal goes up after a non-fault claim is declared. Especially when it’s not their first claim.
Obviously the more non-fault claims you have the higher your premium has to be.
For example; “Dear Insurance Company, I park on a road outside my house and my car frequently gets smashed into by passing drivers. I therefore have 8 non-fault claims to declare... please can you insure me for the same price as my neighbour who never gets smashed into?”
Never going to happen. You are higher risk even if it’s not your fault.
OP, to add, it is always wise to remember that your premium will go up a certain % the more claims you add.
The larger your starting premium is, the larger the increases will be (in £ amount) on every claim.
A premium of £250 is never likely to increase in thousands after a non fault claim... however a premium of £2k+ very easily could.
Always bear this in mind when insuring vehicles in the future.
Obviously the more non-fault claims you have the higher your premium has to be.
For example; “Dear Insurance Company, I park on a road outside my house and my car frequently gets smashed into by passing drivers. I therefore have 8 non-fault claims to declare... please can you insure me for the same price as my neighbour who never gets smashed into?”
Never going to happen. You are higher risk even if it’s not your fault.
OP, to add, it is always wise to remember that your premium will go up a certain % the more claims you add.
The larger your starting premium is, the larger the increases will be (in £ amount) on every claim.
A premium of £250 is never likely to increase in thousands after a non fault claim... however a premium of £2k+ very easily could.
Always bear this in mind when insuring vehicles in the future.
Afternoon,
@Loksie - The woman is aware of which company I'm insured with and has all my relevant details, she was after my policy number to claim directly off my insurance for the damage to her car, which is ridiculous as it needs to go through her insurance. My only other accident neither of us gave policy numbers, just phoned our respective insurance and notified them, they never asked for the others policy number, just name and registration. She hit my car not me personally, sorry if my post wasn't clear.
I won't be claiming for my damage anyway, I'm better off taking the £580 hit rather than getting shafted if the claim is recorded on my file, mine and her insurance will be aware obviously but if I don't personally claim then there isn't anything to declare IMO come renewal.
Regarding me, I'm 24 had licence 6yrs, 5yrs NCB (Protected) in a half decent area.. The car is nothing ridiculous IMO, it's a 2019 C43 AMG coupe. I'm not too fussed about paying £2K to be insured - I knew what the insurance was going to be like before I bought it (Although I admit I didn't check what the cost would be for another non-fault claim, I'll make sure to do that next time I look at purchasing a car) - the main reason it's that high is due to the business miles I have on the policy.
I'm just in disbelief that someone going into the back of me results in me being expected to pay an additional £3.5K for something that isn't my fault.
@StuE39, I asked about the repair when I was getting quotes, they can smart repair the bumper bit no problem, but they've all said they can't match the finish of the black trim and it would need replacing.
@Loksie - The woman is aware of which company I'm insured with and has all my relevant details, she was after my policy number to claim directly off my insurance for the damage to her car, which is ridiculous as it needs to go through her insurance. My only other accident neither of us gave policy numbers, just phoned our respective insurance and notified them, they never asked for the others policy number, just name and registration. She hit my car not me personally, sorry if my post wasn't clear.
I won't be claiming for my damage anyway, I'm better off taking the £580 hit rather than getting shafted if the claim is recorded on my file, mine and her insurance will be aware obviously but if I don't personally claim then there isn't anything to declare IMO come renewal.
Regarding me, I'm 24 had licence 6yrs, 5yrs NCB (Protected) in a half decent area.. The car is nothing ridiculous IMO, it's a 2019 C43 AMG coupe. I'm not too fussed about paying £2K to be insured - I knew what the insurance was going to be like before I bought it (Although I admit I didn't check what the cost would be for another non-fault claim, I'll make sure to do that next time I look at purchasing a car) - the main reason it's that high is due to the business miles I have on the policy.
I'm just in disbelief that someone going into the back of me results in me being expected to pay an additional £3.5K for something that isn't my fault.
@StuE39, I asked about the repair when I was getting quotes, they can smart repair the bumper bit no problem, but they've all said they can't match the finish of the black trim and it would need replacing.
Demented said:
Afternoon,
@Loksie - The woman is aware of which company I'm insured with and has all my relevant details, she was after my policy number to claim directly off my insurance for the damage to her car, which is ridiculous as it needs to go through her insurance. My only other accident neither of us gave policy numbers, just phoned our respective insurance and notified them, they never asked for the others policy number, just name and registration. She hit my car not me personally, sorry if my post wasn't clear.
I won't be claiming for my damage anyway, I'm better off taking the £580 hit rather than getting shafted if the claim is recorded on my file, mine and her insurance will be aware obviously but if I don't personally claim then there isn't anything to declare IMO come renewal.
Regarding me, I'm 24 had licence 6yrs, 5yrs NCB (Protected) in a half decent area.. The car is nothing ridiculous IMO, it's a 2019 C43 AMG coupe. I'm not too fussed about paying £2K to be insured - I knew what the insurance was going to be like before I bought it (Although I admit I didn't check what the cost would be for another non-fault claim, I'll make sure to do that next time I look at purchasing a car) - the main reason it's that high is due to the business miles I have on the policy.
I'm just in disbelief that someone going into the back of me results in me being expected to pay an additional £3.5K for something that isn't my fault.
@StuE39, I asked about the repair when I was getting quotes, they can smart repair the bumper bit no problem, but they've all said they can't match the finish of the black trim and it would need replacing.
I wouldn't be so sure about that. The question they invariably ask is whether you have been involved in any accidents OR made any claims.@Loksie - The woman is aware of which company I'm insured with and has all my relevant details, she was after my policy number to claim directly off my insurance for the damage to her car, which is ridiculous as it needs to go through her insurance. My only other accident neither of us gave policy numbers, just phoned our respective insurance and notified them, they never asked for the others policy number, just name and registration. She hit my car not me personally, sorry if my post wasn't clear.
I won't be claiming for my damage anyway, I'm better off taking the £580 hit rather than getting shafted if the claim is recorded on my file, mine and her insurance will be aware obviously but if I don't personally claim then there isn't anything to declare IMO come renewal.
Regarding me, I'm 24 had licence 6yrs, 5yrs NCB (Protected) in a half decent area.. The car is nothing ridiculous IMO, it's a 2019 C43 AMG coupe. I'm not too fussed about paying £2K to be insured - I knew what the insurance was going to be like before I bought it (Although I admit I didn't check what the cost would be for another non-fault claim, I'll make sure to do that next time I look at purchasing a car) - the main reason it's that high is due to the business miles I have on the policy.
I'm just in disbelief that someone going into the back of me results in me being expected to pay an additional £3.5K for something that isn't my fault.
@StuE39, I asked about the repair when I was getting quotes, they can smart repair the bumper bit no problem, but they've all said they can't match the finish of the black trim and it would need replacing.
If the claim ends up in the system via her insurers then yours will likely know that you've had an accident even if you haven't claimed, as they share that info. Even if they aren't involved if it came to it and then knew about a claim that you hadn't declared they could get rather difficult when you actually do need to use them, particularly if the renewal quote with a claim declared is anything like those online ones. At best you could end up having to find the shortfall in premium in the event of a claim if you needed to use them, worse case they could seek to void the policy from inception if you renewed the insurance post accident and didn't tell them.
Unfortunately with the third party minded to claim for their damage, you paying £580 out of your own pocket might not achieve anything. You might even find that after you've paid out of your own pocket to fix your car that you get a call from your insurers because they have been notified of an accident via the third-party insurer, at which point you've wasted that money - at best, and will be in a worse position from a claim point of view as the third party insurers would have got in first.
Edited by Durzel on Monday 15th July 13:12
roadsmash said:
Jesus Christ did you read any of the OP?
The quotes he’s received are based on a non-fault claim.
Jesus Christ did you read it too?The quotes he’s received are based on a non-fault claim.
My angle is that he will not have any problem prooving that the other driver is 100% at fault. None of this 50/50 business that he was threatened with.
50/50 is not a non-fault claim.
AllyBassman said:
Jesus Christ did you read it too?
My angle is that he will not have any problem prooving that the other driver is 100% at fault. None of this 50/50 business that he was threatened with.
50/50 is not a non-fault claim.
The proof is not the issue. The OP’s main concern is that even though he’s telling the insurer’s it’s a non-fault claim, they are still doubling his already eye-watering premium. My angle is that he will not have any problem prooving that the other driver is 100% at fault. None of this 50/50 business that he was threatened with.
50/50 is not a non-fault claim.
Problem is that whether you claim or not, it’s classed as an ‘incident’. This is now in the majority of insurers scripting and terms and conditions. If you’ve even rung up for general advice this will be logged as an incident. Whether you pay for repairs or not now, the damage is done.
My wife made the mistake of ringing up and asking what to do as a third party had offered to get her car fixed after skidding into it on snow. This happened before we met and when I added her to my insurance a couple of years later I got a letter from admiral advising my premium would be going up as I’d not declared the ‘incident’
My wife made the mistake of ringing up and asking what to do as a third party had offered to get her car fixed after skidding into it on snow. This happened before we met and when I added her to my insurance a couple of years later I got a letter from admiral advising my premium would be going up as I’d not declared the ‘incident’
I had a non fault claim they owned up to being at fault and third party insurer agreed to fix it
The policy renewal was due before it was fixed and it was a lot higher due to my non fault accident it seems to be the normal thing what they don't tell you unless you ask is that when the car is repaired by the third party insurance you will be paid the extra you were charged but only if you ask for it
The policy renewal was due before it was fixed and it was a lot higher due to my non fault accident it seems to be the normal thing what they don't tell you unless you ask is that when the car is repaired by the third party insurance you will be paid the extra you were charged but only if you ask for it
Admiral also charged me more when I had an unsettled non fault claim at renewal time, and told me if the claim was settled by the third party the increased premium would be refunded in full. It was the only reason I renewed with them at the time, and what they told me turned out to be a load of b
ks, and they refused to refund the ~£350 extra they had charged me, instead offering me a £50 goodwill gesture. fking cowboys, I'd rather st in my hands and clap than ever use them again.
ks, and they refused to refund the ~£350 extra they had charged me, instead offering me a £50 goodwill gesture. fking cowboys, I'd rather st in my hands and clap than ever use them again.roadsmash said:
The proof is not the issue. The OP’s main concern is that even though he’s telling the insurer’s it’s a non-fault claim, they are still doubling his already eye-watering premium.
Stop being pedantic. I was meerly offering some experience that may make the OP feel less annoyed by the 3rd party's idiotic remarks about being able to claim off of his insurance.OP - have you considered black block insurance policies? Not ideal considering the car you drive, but if the system is not on your side due to the incomming non-fault claim, I would be considering it to try and soften the blow.
5k is ludicrous.
If you have a bump, both parties are happy to keep it between them and no one else knows, neither claim etc then there's no papertrail to say anything even happened. It might go against T&Cs but who's to know?
Unfortunately in this case, she will claim anyway and it sounds like things are too far gone for that.
Unfortunately in this case, she will claim anyway and it sounds like things are too far gone for that.
tomsugden said:
Admiral also charged me more when I had an unsettled non fault claim at renewal time, and told me if the claim was settled by the third party the increased premium would be refunded in full. It was the only reason I renewed with them at the time, and what they told me turned out to be a load of bks, and they refused to refund the ~£350 extra they had charged me, instead offering me a £50 goodwill gesture. fking cowboys, I'd rather st in my hands and clap than ever use them again.
If they told you they would refund they would have to do it. You cannot have pushed it.ks, and they refused to refund the ~£350 extra they had charged me, instead offering me a £50 goodwill gesture. fking cowboys, I'd rather st in my hands and clap than ever use them again.kestral said:
tomsugden said:
Admiral also charged me more when I had an unsettled non fault claim at renewal time, and told me if the claim was settled by the third party the increased premium would be refunded in full. It was the only reason I renewed with them at the time, and what they told me turned out to be a load of bks, and they refused to refund the ~£350 extra they had charged me, instead offering me a £50 goodwill gesture. fking cowboys, I'd rather st in my hands and clap than ever use them again.
If they told you they would refund they would have to do it. You cannot have pushed it.ks, and they refused to refund the ~£350 extra they had charged me, instead offering me a £50 goodwill gesture. fking cowboys, I'd rather st in my hands and clap than ever use them again.Gassing Station | General Gassing | Top of Page | What's New | My Stuff