Car Insurance renewal - That will include my claim?

Soldato
Joined
4 Mar 2003
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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.
 
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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