insurance renewal non-fault claim disclosure

HankScorpio · 11 Feb 2018 at 17:15

Hi all, I'm after some advice regarding my motor renewal.

Early last year I was involved in a minor road accident and deemed not at fault, got my car repaired all FOC and it now says on my NCB letter 'accident/not at fault/£0'

Now I'm running my renewal through the search engines and when I include this accident (as it states that I must) there seems to be a £140 difference/increase compared to when I omit this non at fault claim and run the search again.

Is this normal?

wedrum · 11 Feb 2018 at 17:16

Yes unfortunately it still goes against.

andicole0 · 11 Feb 2018 at 17:18

You are a greater risk numerically of having more accidents. Blame statistics.
Andi.

tom_e · 11 Feb 2018 at 17:27

Yep totally normal unfortunately any claim goes against you.

Mickey · 11 Feb 2018 at 17:27

Totally normal, I had two non-fault incidents early last year, my car stationary both times, one time unattended. On one car the policy more than doubled, the other is around 50% more than it would have been without the accidents declared. In total this is around a £650/year increase in my insurance costs for the next few years, I looked in to claiming this back from the 3rd parties, but apparently there's zero chance of ever getting anything.

muon · 11 Feb 2018 at 17:48

HankScorpio said:
Hi all, I'm after some advice regarding my motor renewal.

Early last year I was involved in a minor road accident and deemed not at fault, got my car repaired all FOC and it now says on my NCB letter 'accident/not at fault/£0'

Now I'm running my renewal through the search engines and when I include this accident (as it states that I must) there seems to be a £140 difference/increase compared to when I omit this non at fault claim and run the search again.

Is this normal?

Whilst your current company might not penalise you, many do. £140 seems a lot though, what is it as a percentage?

adolf hamster · 11 Feb 2018 at 17:56

andicole0 said:
You are a 100% greater risk numerically of having higher premiums. Blame money grabbing *******'s.
Andi.

ftfy

HankScorpio · 11 Feb 2018 at 18:11

Around 30% I think. No wonder people are claiming all kinds of whiplash when the insurers behave like this!

rodenal · 11 Feb 2018 at 18:13

I seen less than 10% through a Fault accident (around £50) - you will unfortunately never know but suspect you are seeing a general increase rather than directly linked accident one. That said you could easily check by removing the claim and comparing quotes to see what the real impact is

Kenai · 11 Feb 2018 at 18:26

rodenal said:
I seen less than 10% through a Fault accident (around £50) - you will unfortunately never know but suspect you are seeing a general increase rather than directly linked accident one. That said you could easily check by removing the claim and comparing quotes to see what the real impact is

Did you even read the opening post?

rodenal · 11 Feb 2018 at 18:26

Evidently not fully!

Regardless, still a huge increase Vs what I seen for a fault claim

muon · 11 Feb 2018 at 19:36

HankScorpio said:
Around 30% I think. No wonder people are claiming all kinds of whiplash when the insurers behave like this!

When you do your search is the top company the same before and after? What are individual companies doing when you put it in?

An example where the increase isn't as it seems:

Without claim

Company A - £500
Company B - £600
Company C - £700

With non fault claim

Company A - does not quote
Company B - £640
Company C - £700

Some insurers also change their price (or stop quoting) depending on if you start manipulating your quote (things like claims, ncd, licence details etc.), because they become suspicious and have data which suggests people who do this are more likely to not be honest.

[TW]Fox · 11 Feb 2018 at 20:06

Normal unfortunately.

adolf hamster · 11 Feb 2018 at 20:14

muon said:
because they become suspicious and have data which suggests people who do this are more likely to not be honest.

if people are getting charged more for no fault claims it's not surprising if they don't want to be honest.

muon · 11 Feb 2018 at 20:17

adolf hamster said:
if people are getting charged more for no fault claims it's not surprising if they don't want to be honest.

Well if you can't afford the insurance cost, don't have a car. Last I checked it isn't a right.

adolf hamster · 11 Feb 2018 at 20:19

muon said:
Well if you can't afford the insurance cost, don't have a car. Last I checked it isn't a right.

last time i checked not everyone has a choice in the matter

muon · 11 Feb 2018 at 20:20

adolf hamster said:
last time i checked not everyone has a choice in the matter

Yes almost everyone has a choice in the matter.

The only people that don't have a choice, have the motability scheme available to them.

adolf hamster · 11 Feb 2018 at 20:22

muon said:
Yes everyone has a choice in the matter.

oh dear, it's going to be one of those debates is it?

do you honestly beleive that there is nobody in this country that relies on their car?

muon · 11 Feb 2018 at 20:23

adolf hamster said:
oh dear, it's going to be one of those debates is it?

do you honestly beleive that there is nobody in this country that relies on their car?

Only one group of people do and they have a special scheme available for them. For everyone else it is a convenience.

Many people can't afford cars. Should we provide them with taxpayer funded ones (excluding disabled people as mentioned above) since you believe it is a necessity for certain people.

It isn't surprising to hear that dishonest people are also bad car insurance risks.

adolf hamster · 11 Feb 2018 at 20:26

muon said:
Only one group of people do and they have a special scheme available for them. For everyone else it is a convenience.

Many people can't afford cars. Should we provide them with taxpayer funded ones (excluding disabled people as mentioned above) since you believe it is a necessity for certain people.

yep, it's going to be one of those debates, you keep them blinkers on mate i'm sure you prefer the world the way you see it.