Car Insurance renewal - That will include my claim?

stoofa

stoofa

stoofa

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Right - this is going to sound silly. It does in my head, however, this is insurance and of course I'm going to double-check everything.
Had my car insured with Aviva last year, very reasonable £247.
May this year someone reversed into my unattended car, caved in the rear near-side quarter. Thankfully they knocked on the door and exchanged insurance details, car was eventually repaired (very well I must say) and at no cost to me - didn't even need to pay my own excess when it came to collecting my car. So a non-fault, everything claimed back.

Fast forward, my insurance is now up for renewal and Aviva have sent me through a quote for £307. So a £60 raise - which in itself isn't too bad and from other people, seems to be the going rate.
Now, that quote from Aviva, that is going to include my claim right? That £307 is taking into account whatever insurance quotes take into account and as my claim was with them, during the last period of my insurance, includes that incident?

I know, you're going to tell me to call them to ask - but surely it's a safe assumption? I have insurance through Avivia. I have non-fault accident claimed through Avivia, next year's quote from Aviva is gonna include any loading for that incident?

Cheers all.
 
stoofa said:
Now, that quote from Aviva, that is going to include my claim right? That £307 is taking into account whatever insurance quotes take into account and as my claim was with them, during the last period of my insurance, includes that incident?
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Unless it's specifically listed on your policy statement of fact, you can't assume it is. If the claim hasn't been fully settled (i.e. the insurers are still discussing it, regardless of your car being repaired) then it may not even show up until it is.

stoofa said:
I have non-fault accident claimed through Avivia, next year's quote from Aviva is gonna include any loading for that incident?
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Even if it does include it, a single fault or non-fault claim made little difference to my quotes in the past
 
Armageus said:
Unless it's specifically listed on your policy statement of fact, you can't assume it is. If the claim hasn't been fully settled (i.e. the insurers are still discussing it, regardless of your car being repaired) then it may not even show up until it is.
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This, mine wasn't included on my renewal.
 
It's insurance - decided I'd better check myself.
Logged in and the "statement of fact" for the renewal says:
Number of accidents in last 5 years: 1
As that is the only incident I've had in the past 15yrs, it looks like it had already been taken into account. Drilled a little deeper and yes, it's the non-fault claim from May.
So yer, looks like my quote already includes the incident. Decided to change the policy from SDP&C and added Business use on for myself - that didn't make any difference to the quote.

Looks like the renewal is going to be my best deal this year - hit all the usual comparison sites and lowest quote is £70 more expensive.
 
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stoofa said:
It's insurance - decided I'd better check myself.
Logged in and the "statement of fact" for the renewal says:
Number of accidents in last 5 years: 1
As that is the only incident I've had in the past 15yrs, it looks like it had already been taken into account. Drilled a little deeper and yes, it's the non-fault claim from May.
So yer, looks like my quote already includes the incident. Decided to change the policy from SDP&C and added Business use on for myself - that didn't make any difference to the quote.

Looks like the renewal is going to be my best deal this year - hit all the usual comparison sites and lowest quote is £70 more expensive.
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As you had a an accident with your current insurer they will include that accident into your renewal. If its settled then it will show non-fault settled and if it hasn't settled yet then it will show fault accident in your renewal until its settled in your favour.
 
inam22 said:
As you had a an accident with your current insurer they will include that accident into your renewal. If its settled then it will show non-fault settled and if it hasn't settled yet then it will show fault accident in your renewal until its settled in your favour.
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Not always, as above mine didn't so it's always worth triple checking when it comes to insurance.
 
I’m with Aviva and I had a non claim accident, the third parties insurance company dealt with it all.

When I checked Aviva said it wasn’t recorded (I knew it wasn’t as it wasn’t on my renewal). My insurance renewal went up by £20 once they added it

Disgraceful really
 
tom_e said:
Not always, as above mine didn't so it's always worth triple checking when it comes to insurance.
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As a customer you already reported the accident so there is no excuse for insurance company not to add the accident. However I do agree with you it's always better to double check the renewal documents for any errors.
 
D-Ranged said:
Just sounds like usual insurance companies increasing your premium each year, which is why I change every year.
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The government has now put a stop to that, so now everyone has to pay more. Same thing happened with energy years ago.

More poorly thought out regulations which favour the dumb :/
 
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I've bounced around the same 5 or so insurance companies for the last 20 odd years.

Never had an acceptable renewal quote. I think they just default add more and hope people don't question it
 
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