Non fault crash poll - Did your insurance go up?

[Marf]

After reading a number of comments from people who claim their insurance premium rose due to a non fault crash, I was interested to know if that is everyones experience?

I'll start - Went down - didnt shop around.

[kambites]

It depends on what you mean. Mine went down the next year after someone ran into the back of me, but it was still higher than it would have been if I hadn't had the crash.

[Marf]

Meaning either it went up on the spot or on renewal, or was higher than without the non fault accident.

My "went down" means it was entirely unaffected. Had them run a quote with and without the accident - no difference.

[TheArchitect]

mine went up each time i was driven into even with shopping around you apparently become a higher risk driver due to been driven into.

[kambites]

Ah, went up then, as you would expect.

[blueg33]

Went up and my solicitor is currently looking into recovering the cost from the person that hit me. Total cost hike for me across 3 cars is circa £230 pa and is likely to impact on my premiums for 4 years. So I am seeing a cost of £1000 because someone was loing out of their side window at the view when the should have been braking!

[Marf]

blueg33 said:

Went up and my solicitor is currently looking into recovering the cost from the person that hit me. Total cost hike for me across 3 cars is circa £230 pa and is likely to impact on my premiums for 4 years. So I am seeing a cost of £1000 because someone was loing out of their side window at the view when the should have been braking!

Interesting. Is your solicitor confident that the costs can be recovered? Is there precedent?

Edited by Marf on Tuesday 12th July 17:33

[tali1]

Few years back my insurance went down -even though non fault claim had not been confirmed - can't see that ever happening again

[crofty1984]

TheArchitect said:

mine went up each time i was driven into even with shopping around you apparently become a higher risk driver due to been driven into.

Don't take it personally. The fact is, you've been hit a few times by other people suggesting that the places you use your car is full of numpties. That means more work for your insurance company to do (and therefore cost).
Same as if you live in a bad area. YOU may not be a thieving scrote sack, but that doesn't mean other people near you aren't.

[skinley]

I was involved in a non-fault accident last year, hit from behind and pushed forward into car in front.
When it came to renewing my insurance I shopped around and got a higher level of cover for £150 less. Result!

[blueg33]

Marf said:

Interesting. Is your solicitor confident that the costs can be recovered? Is there precedent?

Edited by Marf on Tuesday 12th July 17:33

Actually someone on here has already done something similar (cant find the thread right now)

Solicitor is a mate who is a partner at a major firm of litigators and he thinks its worth a punt, it wont cost me anything and he wants to try it out. It will give him a good USP for future work.

The other side are making noises about settling before it gets to court, but its early days.

[anonymous-user]

I've never even had an accident and mine is going up

[thinfourth2]

blueg33 said:

Marf said:

Interesting. Is your solicitor confident that the costs can be recovered? Is there precedent?

Edited by Marf on Tuesday 12th July 17:33

Actually someone on here has already done something similar (cant find the thread right now)

Solicitor is a mate who is a partner at a major firm of litigators and he thinks its worth a punt, it wont cost me anything and he wants to try it out. It will give him a good USP for future work.

The other side are making noises about settling before it gets to court, but its early days.

Oh great

Which means everyone else will have to pay increased costs on their insurance

And the whole cycle gets sillier and sillier

The lawyers will get richer while we have to pay 28 million pounds a day to stay legal

[skinley]

Symbolica said:

I've never even had an accident and mine is going up

I bet you could save some money if you shop around, it's a very competitive industry.
A few of us have been discussing car insurance at work over the last week or so, it seems the only people paying more year after year are the ones who stick with the same insurance company through some sort of misplaced 'brand-loyalty'.

[liam1986]

some one hit me when it was icy last jan, their insurance payed up everything was great.

change cars in May and take out a new policy, i tick the box saying 'i've made a claim in last 5 years regardless of fault' premium loaded £370. i'm pissed off, so get on the phone to the at fault company. after 3-4 days of arguing that this is a financal loss i had suffered becasue of the acciedent they are liable for thrid party losses, i get a cheque in the post. happy days

don;t let these fking fking s aholes of insurance companies get away with this anymore.

most people won;t be raped quite as much as me. young/group 20 car/points on licence

[blueg33]

thinfourth2 said:

Oh great

Which means everyone else will have to pay increased costs on their insurance

And the whole cycle gets sillier and sillier

The lawyers will get richer while we have to pay 28 million pounds a day to stay legal

But why should I pay for someone else's poor driving? If you can transfer £1000 to my bank account I will drop my claim.

Insurance is about the risk a driver poses, I fail to see how I pose an increased risk because someone drove into me. The fact it was me is random, had I left 5 seconds earlier or later he would have run into a different stationary car.

[Liquid Knight]

Two "no fault" accidents in three years my insurance went from £683 Full comp' with £100 excess for a Fiat Coupe 16V Turbo to £2183 Fully Comp' with £300 excess for a Rover 213S.

[liam1986]

i don;t buy this increased risk bullst.

insurance is there to put the third party back in the same financial situation they were in before an acciedent. having your insurance premiums loaded for 5 years after a non fault claim means your not in the same financial situation.

there is not grey area. i can;t see how insurance companies have got away with this.

And as they payed me just because of threats of the small claims court, must mean they know thye are taking the piss

[eiKr]

Does anyone know if you can claim the difference from the third party? I've heard that people have claimed for fish and chips that they couldn't eat before.

[kambites]

liam1986 said:

there is not grey area. i can;t see how insurance companies have got away with this.

If you get hit that's nothing to do with your insurance company though. The other party is liable for any damages that you incur (including any insurance premium increase).

In practice it's rather hard to claim the damages from the other party because their quantity is unknown at the time of the settlement.