Let the argument begin, as know matter what anyone tells me, its fact, but why?

Old man has been unfortunate to be involved in 3 none fault claims in 2 years (2 within 3 months of each other in Jan and March or this year).

Before the March accident he renewed for £85 fully comp which went upto £135 with the March none fault claim added (as its what we're told we're suppost to do). This was with the same company and an identicle car!

So why? Perhaps someone in insurance can explain.

Jon.

Thing is MEP a No Claim Discount is just that, its not a No Blame Discount.

Pretty poor I agree but its the way Insurers work...

Ffoxy said:

Thing is MEP a No Claim Discount is just that, its not a No Blame Discount.

Pretty poor I agree but its the way Insurers work...

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So hows comes dads went up with Max protected NCB

Its a none fault / blame accident claimed off of the other sides insurance in all cases.

Most Easterly Pandas said:

So hows comes dads went up with Max protected NCB

Its a none fault / blame accident claimed off of the other sides insurance in all cases.

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Speak to the company MEP, maybe its just a Premium increase not related to the accidents?

Ffoxy said:

Speak to the company MEP, maybe its just a Premium increase not related to the accidents?

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Nope, defo as a result of the smash.

23rd March. Dad renews for the 27th with 2 none fault claims for £85. Afternoon of 23rd, 3rd none fault smash occours. Rushed into hosptial, roof chopped off of car so car is written off. Policy renewal canceled by insurance (was renewing with same company) because vehicle was no longer insureable.

Then obtained another identicle vehicle (White Panda Selecta), went to renew with the 3rd accident declaired, cost £135. When quized the person on the other end of the phone said that it was just because 'thats what the computer says'.

:bang:

Most Easterly Pandas said:

Nope, defo as a result of the smash.

23rd March. Dad renews for the 27th with 2 none fault claims for £85. Afternoon of 23rd, 3rd none fault smash occours. Rushed into hosptial, roof chopped off of car so car is written off. Policy renewal canceled by insurance (was renewing with same company) because vehicle was no longer insureable.

Then obtained another identicle vehicle (White Panda Selecta), went to renew with the 3rd accident declaired, cost £135. When quized the person on the other end of the phone said that it was just because 'thats what the computer says'.
:bang:

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Like I said that's how Insurance companies operate, they must take the view that your Dad has suddenly become a bigger risk. Despite protected NCD. Hard to see a way out as any accidents have to be reported when applying for cover with a new company, they dont ask if the driver was to blame do they.

Ffoxy said:

Like I said that's how Insurance companies operate, they must take the view that your Dad has suddenly become a bigger risk. Despite protected NCD. Hard to see a way out as any accidents have to be reported when applying for cover with a new company, they dont ask if the driver was to blame do they.

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Hmmmm, makes you sick though Theft really. Luckily we've claimed the difference under cost's on the other sides insurance, but its still a case of why.

On policy and quote its been put down as a not at fault accident.

But what pee's me off the most is the way they say 'add all accidents even if not at fault as they won't increase your premiums'. What a blatant lie. Seems your damned what ever, penalise you for something thats not your fault

This really annoys me too.

My escort was crashed into whilst it was parked outside my flat - added £200 to the yearly cost even though not my fault and the other driver admited it. I tried to find out why it went up so much but they just said that's what happens

Take it on the chin and just be happy your dad wasn't killed in the smash :hug:

As rubbish as it is thats how it goes mate,

No claims discount is just that, a discount. If the policy increases (which it does even with no fault claims) then you just keep your discount against the higher policy.

You also need to bear in mind that insurance policies have increased anyway this last year or two, so that will likely have had an effect too.

fairly certain it is that if you have accidents - even a no fault one - they do believe that you're becoming a bad risk and are likely to have more - which might be your fault.
We've just had a missive back from Aviva who insist our claim has to be 50/50 as the other party said we were on her inside when we hit her - an impossibility when the damage to the Panda was on the nearside front wing. You have to wonder if they even read the claims forms.
They will get you any which way they can.

middo85 said:

You also need to bear in mind that insurance policies have increased anyway this last year or two, so that will likely have had an effect too.

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See post 5. So prices went up £50 in 3 weeks?

Or put it this way, went up in the case of my dad, bu 59%. Thats a massive price increase to happen 'to everyone' in general.

Insurance companies suck