non fault claim= dearer insurance

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after being in a non fault claim this week i'm wondering are the insurers likely to gouge me for the next 5 years because of this?


i'm thinking about claiming off the other party for possible increases in futur insurance or am i being stupid here?
 
Totally depends on your insurer. Some do, some don't.

And good look with claiming for possible insurance increases! Why not claim for a possible nervous breakdown in 3 years time as a result of the nightmare of the accident as well?
 
Foxtrot26 said:
after being in a non fault claim this week i'm wondering are the insurers likely to gouge me for the next 5 years because of this?


i'm thinking about claiming off the other party for possible increases in futur insurance or am i being stupid here?
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Just make the claim on the third parties insurance. Tell your insurer, but for information purposes only, as you are kind of legally obliged to do so.
 
i'm deadly serious here,

why should i be out of pocket for the next five years because some pleb in a sky van couldnt look where he was going?
 
You dont even know you will be out of pocket! My fault claim stopped costing me money after 3 years, let alone a non fault.
 
ok guys running some quotes

mr average sdp and commuting on a vectra diesel (ie mine without taxiing)
12000 miles a year for me

no accidents mentioned- admiral quote me £682.70
1 accident mentioned non fault admiral quote me £881.15

29% loading of my premium through no fault of my own,

why should i be £200 a year worse off?
 
[TW]Fox;17396409 said:
£881!? Thats more than I paid to insure my 530i, aged 24, with a fault claim!
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i stay in one of the worst parts of glasgow though,

but what do you make of the £200 loading for a non fault claim?
 
This rather annoys me as well. Some stupid female drove in to the side of me. Luckily it only put £30 on my premium - though I still shouldn't be punished for someone elses stupidly.

But it's all statistics isn't it, supposedly I'm more likely to crash/be crashed into again.
 
but should i really have to be out of pocket for the next 5 years because of some pleb in a van?

its not just one policy but this affects 3 policies for me, my own personal policy, my wifes policy that i'm a named driver on and my taxi insurance

that has the potential to be a rather large sum of money over a period of 5 years going by the above
 
same for me, adds roughly £200 as a non fault claim, one 459 without 669 with also since when did insurance get so expensive 21 with 3 years ncb on a 200sx is 880, the same car when i had 1 years ncb was 760, :confused:
 
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[TW]Fox;17396296 said:
Yes, because claiming for stuff 'just in case' is totally ethical.
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It isn't 'just in case', but you've said before that people should just suck it up and put up with neck problems. This is just another reason why one shouldn't take your way of doing things.
 
going to fun making a non insured loss claim for future losses incurred with insurance increases. how do you work out what i'm going to be driving next year let alone in 5 years and how much i'l be getting gouged for
 
Sorry OP, not what you wanted to hear

My Mum was in a non fault accident (rear ended whilst stationary at a roundabout).

Then when she was changing insurance companies on the website she totally innocently ticked all of "No I haven't got any points, No I haven't caused any accidents" etc boxes. The online application wouldn't work, came up with an error telling her to call. When she called the call centre person looked it up and said that it was failing because she'd ticked one of 'no accidents' boxes, and the database was saying that she'd been involved in a non-fault accident which had been claimed on the third party's policy, not hers. She confirmed this and then they bumped up the price by £100.

Even though the accident was 100% not her fault, and not a penny had been claimed for on her policy, her insurance went up by £100 as "Statistically those involved in non-fault accidents are more likely to then go and cause an accident".

She wasn't best pleased!


I'm 99% sure the figure was £100, I'll ask her when she gets in.
 
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thats the plan anyway

going to speak to a solicitor about this and see what my options are.

i'll be damned if i'm going to suffer a 30% increase in my premiums for the next 5 years.
 
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