rostill2007

Hi all recently I was involved in a crash, other party admitted fault and my insurance told me it wouldn't affect my no claims or my insurance in any way, since this I had a quote off another company and when I checked my present company the premium had gone up £600 does this mean I'm not going to get my no claims or is it just as a result of being involved in a crash? Any help appreciated

Carlos-Titx

You will keep your no claims if it's a non fault accident claimed against the other persons insurance.

Going up £600 is steep. Whenever I rang round and told them about my claim against someone else they said it doesn't make any difference.

rostill2007

Went from 900 odd this year to 1588 next year and I just reinsured through another company for 714 but they obviously want proof of no claims and said the same as you, that as it was none fault it shouldn't matter but as this is my first claim I thought I'd ask for other peoples experience thanks

Carlos-Titx

No worries pal.

Glad you got sorted with a better quote!

rostill2007

Me too mate spent too long waiting for my premium to be the right side of a grand lol

St3V3_C

If it's a non-fault claim then I think they shouldn't be allowed to even ask about it. But they do, and it increases your premium. Cunts.

bigdel

Yep, see my previous threads about my son's premiums going up because of a non-fault claim he made.

Legalised robbery if you ask me, so my advice is shop around and if you're not happy with the price your existing insurer is quoting, tell 'em to shove it and go elsewhere!

CrOwSoN15

If you've had an accident, you're still seen as a higher risk driver, regardless of who's at fault.

D16PJM

I had this argument when someone hit my wifes car, she wasn't even in it, her premium went up and when I asked why they said statistically if you have a non fault claim you are more liked to have a fault claim, I then asked where they are getting there statistics from, they wouldn't say.

St3V3_C

Yea, which as a blanket statement is just wrong IMO.

CrOwSoN15

Kind of makes sense, but yeah, can't tar everyone with the same brush really.

CrOwSoN15

And this is a perfect example.

If the driver isn't even present, how the fuck can that make him/her a higher risk?!

dojj

iTrader: (3)

Because of where they left the car presumably

clairendave

If the claim is still active it will show on your data. Untill its settled then it should drop the quotes back down again.

St3V3_C

Bollocks. There is never an excuse to drive into a parked car.

bigdel

It's common knowledge that 74% of statistics are just made up!

dojj

iTrader: (3)

clarkson ranted about this on top gear once about how there was a dangerous bend outside his house and, as a reslut, his house insurance was more expensive after people kept crashing into the wall

Carlos-Titx

And the other 66% are manipulated

MrC

So someone crashes through your garden and into your car, that makes you a higher risk???

Obviosly your going to do the same thing as its happened to you??

Common sense prevails

MrC

And 8 out of 10 cats prefere whiskers

dojj

iTrader: (3)

insurance companies make up more stuff than can be published in wikipedia

MrC

More getouts Than Harry Houdini

LewisT

D16PJM similar to my renewal, a girl pulled out on me from a junction totaled my dads car 100% her fault claimed responsability, still my nice quote of £178 on my 2003 focus 2.0 ghia went up to £240, argued with the cunt on the phone says i am statistically more likely to have another accident within 6 months.