Insurance rise following a non-fault accident

Insurance rise following a non-fault accident

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B4M

Original Poster:

14 posts

134 months

Wednesday 15th January 2020
quotequote all
I have tried searching for answers to this, as well as contacting a few solicitors for third-party related claims, none have yielded any useful information as to whether it is possible.
Google mainly returns lots of ads, which are not particularly useful. So I thought I'd try on here, as I'm sure someone else will have been in this predicament before...

Last month, I was in a hire car for a work trip, when the car I was in was rear-ended in a traffic queue forming. The other driver admitted full liability and the hire company have submitted their claim for the damage repair. It's considered 'settled' for the sum of ~£520 to the hire company.
My query relates to the rise in my own personal insurance, due to declaring the non-fault claim. My renewal is due later this month and all of the quotes are showing an average rise of £120-150 once the claim is added.

Does anyone know:
1) Is it possible to pursue the third-party's insurance for my increased premiums over the next 5 years? Her insurance have already said 'No'
2) If the above is possible, any recommended companies?

I look forward to any input.

Thanks

Edited by B4M on Wednesday 15th January 15:15

EU_Foreigner

2,833 posts

225 months

Wednesday 15th January 2020
quotequote all
Based on a warped interpretation and bending of statistical data to suite the insurance companies by stating that you are more likely to have an accident again.

Only option is to change company to one that applies a different set of statistics.

In mainland Europe you do get what you state, including if it had been your car, a payment for reduced value of your car on resale due to the accident. But then again, there is never a premium increase in the first place when it is not your fault ...

Graveworm

8,476 posts

70 months

Wednesday 15th January 2020
quotequote all
It's very complicated and hard to explain. Your premium has not been increased because the third party crashed into you. It's because statistically, they think you are an increased risk because of your involvement in that accident. The third party is liable for the accident, not for your demographic that meant you were driving the car that he hit.

martinbiz

3,047 posts

144 months

Wednesday 15th January 2020
quotequote all
Vote with your feet if they won’t budge, go somewhere else, you may well find something cheaper than even before the accident.

All ins co’s are different, mine did not alter after a non fault accident, if it had I would have gone elsewhere

KungFuPanda

4,324 posts

169 months

Wednesday 15th January 2020
quotequote all
I doubt you'll find any firms to take this on. Try speaking to your legal expenses insurer if you have one. Failing that, you're on your own. Nobody will take it on as the level of damages is too low.

Just put a bullst claim in the personal injury to make up for the increased premiums if you feel that strongly about it.

BertBert

18,953 posts

210 months

Wednesday 15th January 2020
quotequote all
martinbiz said:
Vote with your feet if they won’t budge, go somewhere else, you may well find something cheaper than even before the accident.
I think he has tried that...
B4M said:
My renewal is due later this month and all of the quotes are showing an average rise of £120-150 once the claim is added.
And to the question, there was a poster on here fairly recently who I think said they had succeeded in this where all others said it wasn't possible. That's not very helpful, but might prompt someone who has a better memory than me.
Bert

Pegscratch

1,872 posts

107 months

Wednesday 15th January 2020
quotequote all
They said it, but they couldn't evidence it.

Armitage.Shanks

2,249 posts

84 months

Wednesday 15th January 2020
quotequote all
Aty the end of the day the insurer is seeing you as a 'risk' even though it wasn't your fault. Any opportunity to get more money out of you they will.

They soon caught on to the 'Speed Awareness Course' declaration. Although if you didn't disclose you'd been one do they have access to records to counter it?

B4M

Original Poster:

14 posts

134 months

Wednesday 15th January 2020
quotequote all
BertBert said:
martinbiz said:
Vote with your feet if they won’t budge, go somewhere else, you may well find something cheaper than even before the accident.
I think he has tried that...
B4M said:
My renewal is due later this month and all of the quotes are showing an average rise of £120-150 once the claim is added.
And to the question, there was a poster on here fairly recently who I think said they had succeeded in this where all others said it wasn't possible. That's not very helpful, but might prompt someone who has a better memory than me.
Bert
Yes, I have tried many quotes. It's not much of a rise from the current year.
The issue is, my premium would have decreased from ~£500 to £400 without the claim. Now, most renewal quotes are mid £500 once edited to include the claim

Bert, your mention of someone being successful is the main reason for me posting. I recall an article a few years ago about, but I cannot find it now.

Edited by B4M on Wednesday 15th January 15:20

B4M

Original Poster:

14 posts

134 months

Wednesday 15th January 2020
quotequote all
KungFuPanda said:
I doubt you'll find any firms to take this on. Try speaking to your legal expenses insurer if you have one. Failing that, you're on your own. Nobody will take it on as the level of damages is too low.

Just put a bullst claim in the personal injury to make up for the increased premiums if you feel that strongly about it.
I will try the legal expenses on my current insurance, thanks.
The last suggestion is not something I, in good conscience, would do.

So

26,271 posts

221 months

Wednesday 15th January 2020
quotequote all

Out of interest, has anyone heard of an insurer using a pothole damage claim to increase a premium?

I ask because we reported a damaged tyre due to a pothole yesterday and the council asked for our insurance details.



B4M

Original Poster:

14 posts

134 months

Wednesday 15th January 2020
quotequote all
Armitage.Shanks said:
Aty the end of the day the insurer is seeing you as a 'risk' even though it wasn't your fault. Any opportunity to get more money out of you they will.

They soon caught on to the 'Speed Awareness Course' declaration. Although if you didn't disclose you'd been one do they have access to records to counter it?
Yes, it's an annoying stat. I've had one accident (at fault) in 2004, and no incidents since.
It's a shame that they can increase based on this, as through no fault of my own I am now paying extra.

B4M

Original Poster:

14 posts

134 months

Wednesday 15th January 2020
quotequote all
So said:
Out of interest, has anyone heard of an insurer using a pothole damage claim to increase a premium?

I ask because we reported a damaged tyre due to a pothole yesterday and the council asked for our insurance details.
I've got a pothole claim ongoing at the moment. I interpreted the request for MOT, proof of ownership and insurance as a means for verifying the roadworthiness of your vehicle.

martinbiz

3,047 posts

144 months

Wednesday 15th January 2020
quotequote all
KungFuPanda said:
Just put a bullst claim in the personal injury to make up for the increased premiums if you feel that strongly about it.
That’s a good call, commit a fraud to cover your extra expense

321boost

1,253 posts

69 months

Wednesday 15th January 2020
quotequote all
Armitage.Shanks said:
Aty the end of the day the insurer is seeing you as a 'risk' even though it wasn't your fault. Any opportunity to get more money out of you they will.

They soon caught on to the 'Speed Awareness Course' declaration. Although if you didn't disclose you'd been one do they have access to records to counter it?
Not true, most companies do not ask for this and if they did in the past they’ve stopped now. Must’ve been illegal or gray area or likely they started losing business which is good.

321boost

1,253 posts

69 months

Wednesday 15th January 2020
quotequote all
martinbiz said:
That’s a good call, commit a fraud to cover your extra expense
Insurance companies use a loophole to make more money.

martinbiz

3,047 posts

144 months

Wednesday 15th January 2020
quotequote all
321boost said:
martinbiz said:
That’s a good call, commit a fraud to cover your extra expense
Insurance companies use a loophole to make more money.
Oh....so that’s makes it ok then, don’t be so clueless

321boost

1,253 posts

69 months

Wednesday 15th January 2020
quotequote all
martinbiz said:
Oh....so that’s makes it ok then, don’t be so clueless
I wouldn’t call it cluelessness.

covboy

2,573 posts

173 months

Wednesday 15th January 2020
quotequote all
B4M said:
So said:
Out of interest, has anyone heard of an insurer using a pothole damage claim to increase a premium?

I ask because we reported a damaged tyre due to a pothole yesterday and the council asked for our insurance details.
I've got a pothole claim ongoing at the moment. I interpreted the request for MOT, proof of ownership and insurance as a means for verifying the roadworthiness of your vehicle.
Same here. They also asked for the original registration number if it was now on a private plate

adam quantrill

11,535 posts

241 months

Wednesday 15th January 2020
quotequote all
B4M said:
The other driver admitted full liability and the hire company have submitted their claim for the damage repair. It's considered 'settled' for the sum of ~£520 to the hire company.

Edited by B4M on Wednesday 15th January 15:15
There you have it then. You have not made any claim. The hire company have made the claim.

Seems like you are adding someone else's claim to your quote?