I was involved in an accident last september (non fault) but as I was involved I am 'statistically' more likely to be involved in another. What I would like to know is, is it possible to claim the difference in insurance rise? I did a quick comparison check and with a claim it's roughly around £250 more expensive (on a £650 policy without it, that's quite a lot!). I'm still in the process of claiming my losses through the 3rd party insurer (6 months down the line!!!) so this may make it easier.

Any help appreciated,
thanks,
Ant.

wellsy87 said:

I was involved in an accident last september (non fault) but as I was involved I am 'statistically' more likely to be involved in another. What I would like to know is, is it possible to claim the difference in insurance rise? I did a quick comparison check and with a claim it's roughly around £250 more expensive (on a £650 policy without it, that's quite a lot!). I'm still in the process of claiming my losses through the 3rd party insurer (6 months down the line!!!) so this may make it easier.

Any help appreciated,
thanks,
Ant.

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It's worth mentioning to your solicitor Ant, but it's very unlikely to succeed due to general increase in premiums and the fact it's 6 months down the line.

Dad was involved in a near fatal smash in 2009, morning of the accident he'd just renewed his insurance for the Friday of that week at £80 for the year. None fault and car written off and replaced like for like, 2 weeks later when it came to insure replacement car, £130 - a direct result of the smash but our solicitor has advised its unlikely to succeed in court. We've put it as an unfortunate loss, but lickily is only a small figure in comparison to the whole settlement figure he's looking at.

Another tactic by the money grabbing insurance companies - having one prang makes you no more likely to be involved in another than driving a particular colour car.

The odds of tossing heads on a coin are evens. The odds of tossing 100 heads in a row are... evens each time. Just because the last 99 results have all been heads, doesn't make the odds any longer that the 100th time will be heads.

With car accidents, the stats simply don't add up. A good driver can go all their life without having a single prang. A good driver can also go all their life and get pranged once per month.
You simply cannot calculate the odds as there are millions of variables each and every time you take the car out.

Most Easterly Pandas said:

It's worth mentioning to your solicitor Ant, but it's very unlikely to succeed due to general increase in premiums and the fact it's 6 months down the line.

Dad was involved in a near fatal smash in 2009, morning of the accident he'd just renewed his insurance for the Friday of that week at £80 for the year. None fault and car written off and replaced like for like, 2 weeks later when it came to insure replacement car, £130 - a direct result of the smash but our solicitor has advised its unlikely to succeed in court. We've put it as an unfortunate loss, but lickily is only a small figure in comparison to the whole settlement figure he's looking at.

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The point is, though, why should your premiums increase when you are not at fault?
Insurance is supposed to be a safety net not a cash cow.

sludgeguts said:

The point is, though, why should your premiums increase when you are not at fault?
Insurance is supposed to be a safety net not a cash cow.

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Exactly, I don't see she you should have to declair none fault claims. It would soon resolve this issue!

Just for the record, not all insurers load for non fault claims.

http://www.skyinsurance.co.uk/car-club-insurance.html

skyinsurance said:

Just for the record, not all insurers load for non fault claims.

http://www.skyinsurance.co.uk/car-club-insurance.html

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All the ones I've come across do, guessing your suggesting that Sky Insurance dont? Sadly they were nearly double my best quote last time.

skyinsurance said:

Just for the record, not all insurers load for non fault claims.

http://www.skyinsurance.co.uk/car-club-insurance.html

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If none fault claims don't incour a load or affect the rating at all why do they need to be declaired?

I called my insurer this morning and asked if the price would be the same if I hadn't been involved in the accident, they said yes. My problem is how I can disprove them. Having said that they are still cheaper than everywhere else since my car is modified (i'm with Brentacre).

The point of insurance is that you should be in the same situation after an accident as you were before, but with insurance premium loading this just isn't the case so you should be able to claim the difference imo. Obviously this means you would have to do a comparison of premiums with and without the accident for up to 5 years.

It's ridiculous, insurance is supposed to protect us not take every penny they can!

If MPs didn't get free cars complete with tax, servicing & insurance all thrown in, you can bet your sweet ass that they would be quick to come down very hard on the pirates running the insurance industry.

No doubt someone will be along soon to tell me they don't get free cars etc - maybe so, but with all the perks they do get, I'll wager THEIR annual motoring costs for running two jags, umpteen range rovers, a couple of houses and a floozy in every town are a fraction of OUR (your average joe) anual motoring costs.

My insurance premium was increased because some lane changing spanish lorry driver crashed into my wife in her own car on the M25. She made a full recovery from the spanish company including her excess, and of course retained her full ncb. However shes a named driver on my car policy so I got an increase when we declared the incident. My increase premium was 95p (yes pence) - ridiculous I thought, must have cost pounds to process. I guess these days the man you talk to at an insurance company just reads whats on the screen in front of him and has no authority to take decisions which might serve the customer .

wellsy87 said:

I called my insurer this morning and asked if the price would be the same if I hadn't been involved in the accident, they said yes. My problem is how I can disprove them. Having said that they are still cheaper than everywhere else since my car is modified (i'm with Brentacre).

The point of insurance is that you should be in the same situation after an accident as you were before, but with insurance premium loading this just isn't the case so you should be able to claim the difference imo. Obviously this means you would have to do a comparison of premiums with and without the accident for up to 5 years.

It's ridiculous, insurance is supposed to protect us not take every penny they can!

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Do a quote with and without the claim?