Named driver, no fault accident, my quote went up by 30%

[murray]

Got a small runaround last year which came with free insurance for anyone over 21 so added my wife and two sons, all of whom have their own cars. Earlier this year one of my sons was rear ended whilst driving my car, other person admitted blame and everything was dealt with by with their insurance (no lose of ncb and no payment of excess required). Son called up our insurance to notify them of incident. Fast forward till today when I was renewing the insurance with another company. Gave details for myself, wife and other son who didn't have the incident saying none of has had a claim or accident in last three years. To cut to the chase the initial premium was increased by ~30% as a result of the no fault accident as I apparently have to declare it against myself. Is that right?

Jim

[Magic919]

If it was a claim against your policy, yes you must disclose it.

[eybic]

I am not an insurance expert but I would say they were all on your policy so you'll have to declare it for the next 5 years unfortunately, they see it that once you've been involved in an accident, you're more likely to be involved in another.

[murray]

Fair enough and maybe I'm splitting hairs here but from my perspective there was no claim made against my policy and I haven't been involved in any accident.

[eybic]

I had the same argument when I had a non fault years ago, it still goes against you unfortunately.

[murray]

Did you have the non fault or a named driver on your policy. I can see why it would potentially affect my premiums if I'd had the non fault but not when someone else had the accident. I know my son will have to declare when renewing his insurance as he had the accident albeit not his fault.

[eybic]

It was me but I think they just take into account the policy rather than the individual, it's the same with NCB.

[oldnbold]

A neighbour hit my company car whilst it was parked on my drive with no one in it. My insurance and my daughters, as I was a named driver on her policy, both went up!!!

[liner33]

Same here . Wife was driving ,my car when a lorry clipped the wing mirror and knocked it off , claim was about £500 the other party paid everything.

Come renewal

My insurance hiked since she was driving my car
My weekend car insurance hiked because I had an accident on my policy
Her insurance hiked because someone hit her

x 5 years !

The loading on my insurance outweighed the costs of the claim significantly

[TooMany2cvs]

murray said:

Fair enough and maybe I'm splitting hairs here but from my perspective there was no claim made against my policy

A collision occurred, and a claim was made, involving a driver driving your car under your policy.

[motco]

oldnbold said:

A neighbour hit my company car whilst it was parked on my drive with no one in it. My insurance and my daughters, as I was a named driver on her policy, both went up!!!

What price no claims bonus and the protection thereof if the basic premium goes up?

[murray]

I'm a policyholder for two other vehicles and named driver on two others, this could cost a fortune! Are you able to claim these additional costs off the third party who admitted the blame?

[murray]

TooMany2cvs said:

A collision occurred, and a claim was made, involving a driver driving your car under your policy.

Was this a claim against my policy or the other parties?

[blueg33]

This means you have suffered a loss at the hands of the 3rd party. I would be looking to that 3rd party's insurer to cover my increased premiums just as they have covered the other losses like repairs to the vehicle.

I wonder what would happen if a claim was made via small claims ?

I would also be changing insurer

[Slidingpillar]

blueg33 said:

I would also be changing insurer

Absolutely, not every insurer loads under the circumstances described. True you are more likely to find an initially more expensive one with this benefit, but you may well find you get other benefits too. A bargain basement insurer has to make money somewhere.

[cossy400]

I clipped a car in my lorry, it was a hire car so she said......

Anyway my renewal come thru (more than last yr) I rang up they said id had a bump which id forgot about to be fair, (been hospitalised since then so other things on my mind)

Anyway I got on to work as they wanted to know they amounts etc.

Works insurance promptly replied with no claim has been made and they had closed the case. (end of matter to them is the way it seemed to come across)

Rang insurance they reduced policy. win win

[murray]

Just renewed with a different insurer but reason for going with the other insurer originally was that premium increase in a couple of months time when I add my daughter when she passes her test would potentially been much lower.

[Fluid]

murray said:

Just renewed with a different insurer but reason for going with the other insurer originally was that premium increase in a couple of months time when I add my daughter when she passes her test would potentially been much lower.

Did you tell them about your sons accident?

[murray]

Question asked 'have you had any accidents or claims in the last three years regardless of fault'. I answered 'no' which I consider to be an honest answer.

[anonymous-user]

I'd agree, you answered correct, you've not had an accident, you've not made a claim either.