Car insurance renewal with unresolved claim.
Car insurance renewal with unresolved claim.
Author
Discussion

nuyorican

Original Poster:

2,828 posts

119 months

Monday 2nd September 2024
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The initial message was deleted from this topic on 29 November 2024 at 13:14

ozzuk

1,333 posts

144 months

Monday 2nd September 2024
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Just my thoughts, but as you have an unsettled claim the comparison sites likely won't work for you - at least I've not seen an option to declare that. You'll likely need to speak to insurance companies and explain the status.

alscar

6,770 posts

230 months

Monday 2nd September 2024
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Your existing Insurers renewal dept may not be quite as up to date with your circumstances as you might think especially if the NCB is showing as unchanged from the previous year ?
I’m assuming your NCB isn’t protected ?
Is the existing quote acceptable though ?
I think you will struggle to get alternative quotes via comparison sites so perhaps try a Broker and just explain the situation ?
I think personally I would also just be checking with my current Insurer that their quote does take the outstanding claim into account.




jeremyh1

1,461 posts

144 months

Monday 2nd September 2024
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ozzuk said:
Just my thoughts, but as you have an unsettled claim the comparison sites likely won't work for you - at least I've not seen an option to declare that. You'll likely need to speak to insurance companies and explain the status.
I have always complained about there being no "Thank you " button on this site

Thank you for that I had no idea

mattvanders

373 posts

43 months

Monday 2nd September 2024
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Wouldn’t the renewal quote have the details of where you stand with it effecting no claims bonus?

CloudyNight

330 posts

173 months

Friday 6th September 2024
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I had this issue where my Insurance company couldn't get in contact with the other driver's insurance company. They had looked at my dash cam footage and agreed I wasn't at fault, However the claim was sitting on the database they share with other insurance companies as being my fault, which is the standard way they do it for unresolved claims. As mentioned above I couldn't change insurance companies come renewal time as all the new quotes I got were far more expensive than normal. Even my own insurer put up my renewal. I ended up renewing with them as they promised to refund the extra once the claim was resolved. Over a year later, after monthly chasing by me they finally resolved it and to their credit they did refund me the extra they charge when I renewed with them.

It's a total PITA and a really poor way of handling things, despite doing nothing wrong I was penalised by their system.