Non-fault Accident and Insurance...

Non-fault Accident and Insurance...

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Discussion

blueg33

35,577 posts

223 months

Tuesday 16th July 2019
quotequote all
tomsugden said:
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.
You're wrong, I pushed very hard. They replayed the phone recording and admitted that the girl who handled the call had given me incorrect information, and offered me £50 as an apology. I pointed out that what I had paid them was more than alternative quotes I had, and the only reason I renewed was because of their promise to refund the additional premium they charged, which other insurers would not do, and as such they should honor their mistake. They flat out refused to, so they'll never see another dime from me or any of my friends and family.
With a recording of the call, I would have been tempted to look at money claim online, and/or the ombudsman.

roadsmash

2,622 posts

69 months

Tuesday 16th July 2019
quotequote all
AllyBassman said:
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.
I’d rather be pedantic than irrelevant.

AllyBassman

779 posts

111 months

Tuesday 16th July 2019
quotequote all
roadsmash said:
I’d rather be pedantic than irrelevant.
Your posts regarding my post have been both though??

RaineyDays

239 posts

99 months

Tuesday 16th July 2019
quotequote all
I had a non fault claim on my insurance almost 5 years ago when some daft bint wasn't paying attention and drove into the back of me.

Sadly there was too much damage not to go through insurance

Every renewal since then i have done 2 quotes, one with the claim and one without.

On average I've been paying £60 a year more because of the claim.

So although not the numbers OP is looking at,i'm still £300 down after the 5 years.

Insurance industry is a con.

roadsmash

2,622 posts

69 months

Tuesday 16th July 2019
quotequote all
AllyBassman said:
roadsmash said:
I’d rather be pedantic than irrelevant.
Your posts regarding my post have been both though??
Ok. Crack on, keep discussing who’s fault it is, even though we already know, keep discussing the proof, which we already have, and keep discussing it going down as a non-fault claim, which the OP is already getting quotes for.

vonhosen

40,198 posts

216 months

Tuesday 16th July 2019
quotequote all
roadsmash said:
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.
Clearly they don't want his business & as such either actually want him to go elsewhere or failing that they'll charge him a huge premium to cover a risk they'd rather they didn't have to.

roadsmash

2,622 posts

69 months

Tuesday 16th July 2019
quotequote all
vonhosen said:
roadsmash said:
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.
Clearly they don't want his business & as such either actually want him to go elsewhere or failing that they'll charge him a huge premium to cover a risk they'd rather they didn't have to.
Indeed.

AllyBassman

779 posts

111 months

Wednesday 17th July 2019
quotequote all
roadsmash said:
Ok. Crack on, keep discussing who’s fault it is, even though we already know, keep discussing the proof, which we already have, and keep discussing it going down as a non-fault claim, which the OP is already getting quotes for.
Discussing?

I made one post about it, which I have already explained my reason behind doing so? I would fully understand your point if I kept bringing it up and banging the same drum...but I made one point and gave my experience behind it. A simple, friendly post to offer my thoughts to not just the OP, but anyone else who reads this thread, no trolling or sarky comments (which you often see in threads these days)

If you didn't agree with or like my contribution to this thread, you should have just kept on scrolling and moved on with your life (which no doubt numerous others have). No need to try and show somebody up for a non-malitious contribution to a thread about Insurance prices following a non-fault claim. rolleyes

roadsmash

2,622 posts

69 months

Wednesday 17th July 2019
quotequote all
AllyBassman said:
roadsmash said:
Ok. Crack on, keep discussing who’s fault it is, even though we already know, keep discussing the proof, which we already have, and keep discussing it going down as a non-fault claim, which the OP is already getting quotes for.
Discussing?

I made one post about it, which I have already explained my reason behind doing so? I would fully understand your point if I kept bringing it up and banging the same drum...but I made one point and gave my experience behind it. A simple, friendly post to offer my thoughts to not just the OP, but anyone else who reads this thread, no trolling or sarky comments (which you often see in threads these days)

If you didn't agree with or like my contribution to this thread, you should have just kept on scrolling and moved on with your life (which no doubt numerous others have). No need to try and show somebody up for a non-malitious contribution to a thread about Insurance prices following a non-fault claim. rolleyes
I’m not showing you up. You’ve obviously taken it to heart. Sorry.

TwigtheWonderkid

43,248 posts

149 months

Wednesday 17th July 2019
quotequote all
RaineyDays said:
I had a non fault claim on my insurance almost 5 years ago when some daft bint wasn't paying attention and drove into the back of me.

Sadly there was too much damage not to go through insurance

Every renewal since then i have done 2 quotes, one with the claim and one without.

On average I've been paying £60 a year more because of the claim.

So although not the numbers OP is looking at,i'm still £300 down after the 5 years.

Insurance industry is a con.
I keep reading on PH how insurance is a con, yet in the real world, most people I know can't believe how cheap their insurance is. I think mine is ludicrously low. And I've got a half decent car and live in the London suburbs. Loads of people I know are paying well under £200.

AllyBassman

779 posts

111 months

Wednesday 17th July 2019
quotequote all
roadsmash said:
I’m not showing you up. You’ve obviously taken it to heart. Sorry.
Thanks,

Back on topic i'm starting to get quotes for my renewal this year - with my lovely non-fault claim bolted on i'm looking at a £500 increase..

This is based on my comparison site quotes compared with the auto renewal email from another comparison site that has not been updated to reflect the non-fault claim on.

No justice.

CaptainMorgan

1,454 posts

158 months

Wednesday 17th July 2019
quotequote all
AllyBassman said:
Thanks,

Back on topic i'm starting to get quotes for my renewal this year - with my lovely non-fault claim bolted on i'm looking at a £500 increase..

This is based on my comparison site quotes compared with the auto renewal email from another comparison site that has not been updated to reflect the non-fault claim on.

No justice.
What was the original premium? Just getting an idea of % increase

TonyTony

1,880 posts

157 months

Wednesday 17th July 2019
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Somebody hit me and insurance went through non-fault, my insurance went up about £20 i think.

NotBenny

3,917 posts

179 months

Wednesday 17th July 2019
quotequote all
Demented said:
The car is nothing ridiculous IMO, it's a 2019 C43 AMG coupe.
laughlaughlaughlaugh you're driving a brand new AMG merc at 24, that's pretty ridiculous. 10 yr old C63 wouldn't be too bad, but come on, it's a £50k, near 400bhp car!

Bumblebee7

1,527 posts

74 months

Wednesday 17th July 2019
quotequote all
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 .
Not the case I'm afraid, it will need to be declared as a non fault claim come renewal time. I won't bore you with the details of my story, but even when neither party make a claim it is classed as 'a claim'. Nothing to do with money changing hands or repair being paid for. It will be on the insurance database and failure to declare it could invalidate your policy. Of course this would only apply in practice if she does declare the accident, but strictly speaking it is a breach of T&C's to not declare an accident. The only way to avoid this is to deny you have ever been involved in an accident, which is of course very naughty and could result in much more serious consequences than an increased insurance premium.

roadsmash

2,622 posts

69 months

Wednesday 17th July 2019
quotequote all
NotBenny said:
Demented said:
The car is nothing ridiculous IMO, it's a 2019 C43 AMG coupe.
laughlaughlaughlaugh you're driving a brand new AMG merc at 24, that's pretty ridiculous. 10 yr old C63 wouldn't be too bad, but come on, it's a £50k, near 400bhp car!
Not an accurate comment IMO.

I know several youngsters with similar cars and their insurance isn’t as high as the OP’s.

MitchT

15,788 posts

208 months

Wednesday 17th July 2019
quotequote all
I guess you're young and male OP. Welcome to being perpetually screwed over by insurers even though the careless and incompetent driver who's at fault will continue to enjoy cheap insurance by virtue of nothing more than their possession of a vagina. Gender equality - don't you just love it?

TonyTony

1,880 posts

157 months

Wednesday 17th July 2019
quotequote all
roadsmash said:
Not an accurate comment IMO.

I know several youngsters with similar cars and their insurance isn’t as high as the OP’s.
I think he's laughing more at the statement of it not being ridiculous.

On the grand scheme of things a 24 y/o in that car really isn't the norm.

Props to him though.

TwigtheWonderkid

43,248 posts

149 months

Wednesday 17th July 2019
quotequote all
MitchT said:
I guess you're young and male OP. Welcome to being perpetually screwed over by insurers even though the careless and incompetent driver who's at fault will continue to enjoy cheap insurance by virtue of nothing more than their possession of a vagina. Gender equality - don't you just love it?
Insurers haven't been able to charge extra for being male, or less for being female, in any type of insurance, for about 7 years.

Sorry to have to cloud the issue with facts.

Demented

Original Poster:

54 posts

122 months

Friday 19th July 2019
quotequote all
Thanks for everyone's input, works been hectic so not had much chance to reply before now.

My insurance was notified under 'information-only', they agreed with the dash cam footage and said I wasn't at fault, it was 100% the other party and have said it would be taken no further if the other party tried to claim against me.
The person I spoke with seemed vague and unwilling to answer if I needed to declare come renewal though, I suspect I will as Bumblebee7 said unfortunately frown

It's probably a good job I'm not intending to claim on the woman's insurance, as its turned out her drivers licence/insurance/actual address are different so I guess they could invalidate it based on that? At the very least I would guess a hike in her premium.