Insurance Question - Non Fault Claim
Discussion
Hi
Sure its been asked many times... sorry if so.
My renewal came through for the end of the month (£250 more than if I go to the same company as a new customer!)... anyway, Feb a 3rd party drove in the back of my car, scratched the paint nothing more, his insurance phoned me and dealt with everything and I got the car back shortly after, they never asked about my insurance it was all done out of my hands and very smoothly.
However putting the non fault claim into the quote bangs it up by almost £400... I thought a non fault accident had no impact on your policy if you were not at fault, recovered all costs (not that there were any) and the 3rd party took 100% liability...
Any thoughts/help much appreciated.
Sure its been asked many times... sorry if so.
My renewal came through for the end of the month (£250 more than if I go to the same company as a new customer!)... anyway, Feb a 3rd party drove in the back of my car, scratched the paint nothing more, his insurance phoned me and dealt with everything and I got the car back shortly after, they never asked about my insurance it was all done out of my hands and very smoothly.
However putting the non fault claim into the quote bangs it up by almost £400... I thought a non fault accident had no impact on your policy if you were not at fault, recovered all costs (not that there were any) and the 3rd party took 100% liability...
Any thoughts/help much appreciated.
Statistically people who have had a none fault claim are more likely to have a fault claim than those who haven't been involved in any accidents. As insurance company's base their quotations on statistics your renewal has gone up accordingly.
Yes I know it sucks but that's the way it is. I've been in 3 none faults in the last 5 years so I feel your pain.
Yes I know it sucks but that's the way it is. I've been in 3 none faults in the last 5 years so I feel your pain.
Bungleaio said:
Statistically people who have had a none fault claim are more likely to have a fault claim than those who haven't been involved in any accidents.
Surely if insurance runs purely from statistics their must be some crazy anomolies out there. For example, lets say 100 drink drivers insured a Seat Ibiza Fr after their bans were up. None of them claimed for the entire 5years after the crash.A drink driver then gets insured on this car, statistically he would be very low risk and should have a cheaper premium than the equivelent driver who hasn't been done for drink driving.
Sound like madness, but as you know, thats how statistics work...
Deva Link said:
You can claim the extra cost back off the third party, although dealing with multiple non-fault incidents would be interesting.
It's not guaranteed, the insurer is just paying you off to stop any further hassle or complaints if it went to court you wouldn't be awarded the costs.But as I said the insurer would just pay you off before then.
SJR202 said:
Hi
Sure its been asked many times... sorry if so.
My renewal came through for the end of the month (£250 more than if I go to the same company as a new customer!)... anyway, Feb a 3rd party drove in the back of my car, scratched the paint nothing more, his insurance phoned me and dealt with everything and I got the car back shortly after, they never asked about my insurance it was all done out of my hands and very smoothly.
However putting the non fault claim into the quote bangs it up by almost £400... I thought a non fault accident had no impact on your policy if you were not at fault, recovered all costs (not that there were any) and the 3rd party took 100% liability...
Any thoughts/help much appreciated.
You have to declare this as an accident, albeit no fault.Sure its been asked many times... sorry if so.
My renewal came through for the end of the month (£250 more than if I go to the same company as a new customer!)... anyway, Feb a 3rd party drove in the back of my car, scratched the paint nothing more, his insurance phoned me and dealt with everything and I got the car back shortly after, they never asked about my insurance it was all done out of my hands and very smoothly.
However putting the non fault claim into the quote bangs it up by almost £400... I thought a non fault accident had no impact on your policy if you were not at fault, recovered all costs (not that there were any) and the 3rd party took 100% liability...
Any thoughts/help much appreciated.
Statistically you are more likely to have another one now. Perhaps not in the real world, but statistically.
Does the renewal as if you have had a "fault" accident or just "an accident"?? This is important.
It's perfectly normal for a non-fault claim (or even an accident in which no claim was made at all) to push your premium up. Theoretically you can claim the extra cost back from whoever hit you. Some companies may not increase your premium because of it, but in my experience those companies are more expensive in the first place (for obvious reasons). To not tell your insurance company about the accident would be fraud and would invalidate your policy.
timmartin said:
Last year some fool in a truck reversed into my Cayman when it was parked (I wasn’t in it), luckily only minor damage to front bumper, which is one big piece, but had to be replaced. There were witness and driver put his hand up. It was all paid for by his companies insurance. I Sold the cayman a couple of months back and now have a BMW 320Si but I also had a ’97 1.4Polo and had a dual motor insurance policy with Admiral. A few of things:
When I told Admiral I’d changed cars selling the Porsche and buying the BMW – they gave me about seven quid back (interesting, considering the BMW is worth ten grand less, and 1.4 litres less in engine size.)
I sold the Polo so now had only the BMW – called Admiral again – they wanted to INCREASE my premium because I had only one car now!!!
You can imagine what I thought of that, and pointed out that I wouldn’t be paying them anything and, fortunately had timed everything very well
And was due for renewal in three days and wouldn’t be using them again 
Oh, you know NCB on a dual car policy? Well apparently they have to split over two cars (a percentage of the your NCB some on one, some on the other) so obviously I had originally put most the NCB on the Cayman and less on the Polo – this of course meant that I, a mid-forties clean licence holding male since 17 and full NCB was paying close to £400 for a 13 year old 1.4 polo (they also said it would be more expensive to do it third party rather than comp????) I thought NCB was all about ME and how good I was at driving and not claiming etc., what the F**CK has it got to do with how many cars I have? Yet another rip off.
"Looking for cheaper car insurance.........."When I told Admiral I’d changed cars selling the Porsche and buying the BMW – they gave me about seven quid back (interesting, considering the BMW is worth ten grand less, and 1.4 litres less in engine size.)
I sold the Polo so now had only the BMW – called Admiral again – they wanted to INCREASE my premium because I had only one car now!!!
You can imagine what I thought of that, and pointed out that I wouldn’t be paying them anything and, fortunately had timed everything very well
And was due for renewal in three days and wouldn’t be using them again 
Oh, you know NCB on a dual car policy? Well apparently they have to split over two cars (a percentage of the your NCB some on one, some on the other) so obviously I had originally put most the NCB on the Cayman and less on the Polo – this of course meant that I, a mid-forties clean licence holding male since 17 and full NCB was paying close to £400 for a 13 year old 1.4 polo (they also said it would be more expensive to do it third party rather than comp????) I thought NCB was all about ME and how good I was at driving and not claiming etc., what the F**CK has it got to do with how many cars I have? Yet another rip off.
Buy cheap, get sh 1t.
It depends on exactly how they word it - if they ask whether you have made any claims you can legitimately answer "no" because if the other party's insurance paid out it was him that made the claim not you. However, in my experience that is never how they phrase it. Every time I've got insurance, the question has been "have you had any claims or accidents, regardless of fault, in the last five (or sometimes three) years". Admittedly I always do it online rather than on the phone; maybe they abbreviate the questions on the phone, but they shouldn't.
kambites said:
It depends on exactly how they word it - if they ask whether you have made any claims you can legitimately answer "no" because if the other party's insurance paid out it was him that made the claim not you. However, in my experience that is never how they phrase it. Every time I've got insurance, the question has been "have you had any claims or accidents, regardless of fault, in the last five (or sometimes three) years". Admittedly I always do it online rather than on the phone; maybe they abbreviate the questions on the phone, but they shouldn't.
You're also duty bound to declare anything which might be relevant, so being economical with the truth isn't a smart idea.You could argue that they didn't ask you, but then when you try and claim you're into an argument about what was said when you took out the policy, instead of working through the claim. Most people don't need that hassle.
Edited by Deva Link on Tuesday 20th March 14:10
Deva Link said:
You're also duty bound to declare anything which might be relevant, so being economical with the truth isn't a smart idea.
You could argue that they didn't ask you, but then when you try and claim you're into an argument about what was said when you took out the policy, instead of working through the claim. Most people don't need that hassle.
True. It's always better to tell them things that they might not be interested in than to hold back things that they might be. Hard to do that with an online application form if they don't ask, though. You could argue that they didn't ask you, but then when you try and claim you're into an argument about what was said when you took out the policy, instead of working through the claim. Most people don't need that hassle.
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