Insurance claim - at fault but not at fault
Discussion
Afternoon all,
I made my first insurance claim this year.
An unknown third party drove into my car while it was parked at my home address. Indignant that some f
ker thought this was acceptable behaviour, I made the decision (somewhat rash, in retrospect) to claim on my policy.
Renewal quote has come through, and the premium has unsurprisingly gone up. So I've started my shopping around, and people are obviously asking me whether I have had any accidents or claims etc, to which I answer yes. Then they ask me whether I was deemed 'at fault'.
I've never seen a bit of paper from the underwriter that summarised the outcome of the claim (i.e who was at fault); just a letter saying words to the effect of "your car is beyond economical repair. Send us some docs and we'll send you a cheque. You'll need a vehicle identity cheque and a new MOT".
So as far as I can tell, no one has ever deemed me anything. I maintain that I was not at fault. However, the internet suggests that as my ins co weren't able to recover the cost from anyone else, it was an 'at fault' claim.
Is my current broker's record of the claim the definitive one, or do I have to write to the underwriter? Or does no definitive record exist?
I feel I can legitimately answer the question 'were you at fault?' with a 'no'. But don't really know how to answer the question 'were you deemed at fault?'.
Pointers please... Don't want to pay any more than I have to, but equally (or moreso) don't want to be driving round liable for any costs resulting from any future claim against me (by dint of an invalid insurance policy).
I made my first insurance claim this year.
An unknown third party drove into my car while it was parked at my home address. Indignant that some f
ker thought this was acceptable behaviour, I made the decision (somewhat rash, in retrospect) to claim on my policy.Renewal quote has come through, and the premium has unsurprisingly gone up. So I've started my shopping around, and people are obviously asking me whether I have had any accidents or claims etc, to which I answer yes. Then they ask me whether I was deemed 'at fault'.
I've never seen a bit of paper from the underwriter that summarised the outcome of the claim (i.e who was at fault); just a letter saying words to the effect of "your car is beyond economical repair. Send us some docs and we'll send you a cheque. You'll need a vehicle identity cheque and a new MOT".
So as far as I can tell, no one has ever deemed me anything. I maintain that I was not at fault. However, the internet suggests that as my ins co weren't able to recover the cost from anyone else, it was an 'at fault' claim.
Is my current broker's record of the claim the definitive one, or do I have to write to the underwriter? Or does no definitive record exist?
I feel I can legitimately answer the question 'were you at fault?' with a 'no'. But don't really know how to answer the question 'were you deemed at fault?'.
Pointers please... Don't want to pay any more than I have to, but equally (or moreso) don't want to be driving round liable for any costs resulting from any future claim against me (by dint of an invalid insurance policy).
At the end of the day your insurance gives a "no claim" discount and not a "no fault" discount. They do recognise that full recovery from the other party is an indication that your driving is OK and any increase in premium is likely to be relatively modest.
It is not at all unusual for someone on maximum NCD to find that even though they still have maximum NCD the basic premium is rated higher as the result of an accident, claim or conviction.
It is not at all unusual for someone on maximum NCD to find that even though they still have maximum NCD the basic premium is rated higher as the result of an accident, claim or conviction.
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