Locking wheel nuts

[TW]Fox;20641254 said:
Anything the insurer doesn't recover the cost of meeting, in full, is considered a fault accident.

It's not about blame its about whether you cost the insurer money.
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But insurers will calculate future risk based on more than just "did this cost us money" - it's about likelyhood of repeat - I would guess a fault accident would have a higher repeat factor than wheels getting stolen.
 
that would have course assume any insurer pricing made sense.

I just ran a test case - the cost was LARGER for a nonfault claim than a fault claim anyway. Whaat??

(BTW OP - this was with bell, and for a £500 claim the increase was 50% :O )
 
therealnerd2 said:
But insurers will calculate future risk based on more than just "did this cost us money" - it's about likelyhood of repeat - I would guess a fault accident would have a higher repeat factor than wheels getting stolen.
Click to expand...

Just run some test quotes.

41 year old Accountant, good area, Ford Focus 1.6 Titanium, 5 years NCB, no claims: £413.85

Same but with a claim for damage to the car £449.
Same but with a claim for theft £449.
Same but with a claim fault crash damaging your car and somebody elses: £449

As you can see, all treated the same.
 
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