talizman

iTrader: (1)

My renewal is up in a couple of weeks and the quote came in the other day. Due to the fact that it was a bit dearer than last year, I jumped online to get some speculative quotes for comparison.

In August last year I was hit whilst stationary by a truck. The car that I was in was written off (£1000 runner) and the other driver was charged by the police. I was uninjured, so no personal injury claim.

Based on this, my renewal premium came in at £820.

I then obtained 2 test quotes posing as Joe Bloggs; one declaring the bump, and the other not declaring. The difference between the two was over £100 cheaper!!

Now, I could understand the price hike if the bump was my fault, and that I had lost NCD, but FFS, it was a non fault accident with a full recovery made from the 3rd party's insurers.

Please tell me that I am not now deemed to be "unlucky" hence the loaded premium????

How much do I hate insurance?

fitzscoob

Thing is mate, if you was to speak with someone over the phone about this (an insurance company) they will tell you that it doesnt effect your premium.

How the hell is it right that some idiot crashes into you, and you end up paying more per year for insurance.

Its a fiddle.

Moley

iTrader: (9)

Speak to a human being, rather than doing it on the internet.

A non-fault claim shouldn't affect your premium.

fitzscoob

Moley, can you pm me your contact details please mate, will be buying a new car soon (non scoob) - heard you can be competitive

talizman

iTrader: (1)

Will do Moley.

The thing is, the automated quote gives you the option of fault/non fault claim, so it should be able to decipher the difference, hence not load the premium.

I'll give it a go.

Anyone recommend who is most competitive at the moment?

fitzscoob

well I just had moley quote me on a car im looking at tomorrow, and his quote is very competitive speak to mr moley

Mikkk

Well, there's this bloke at Keith Michaels...
...or another one over at A-Plan

Hope this helps.

PS. To paraphrase Austin Powers: Nice to mole you... meet you. Can I have that fiver now??

gotmashed

i had they same thing with elephant tryed to charge me £500 on top because some one hit me yer right so went with the aa in the end gave me a very good deal worth a try

zcacogp

I am told that renewals in such circumstances do increase, as you are deemed to be a more risky insurance prospect, even if you didn't cause the accident.

Statistically, people who have an accident are likely to have another accident (I'm talking about statistics here, not logic), and therefore they will load your claim.

Yes, it sucks.


Oli.

talizman

iTrader: (1)

I'm pretty sure that this will somehow contravene ECHR legislation as you cannot discriminate against someone for being "unlucky"

Gutmann pug

What they say is that when you have a bump which is non fault you dont loose any of your no-claims percentage discount. You are however more of a risk to the insurers, dont ask me why and therefore they put your premium up........The percentage discount and the premium are not linked, if you understand what I mean?

Gary

talizman

iTrader: (1)

Thought I'd resurrect this old thread....

Got a few quotes yesterday as I'm thinking about getting back in a Scoob soon.

In the past 12 months I've been involved in 2 accidents....

The first, I was stationary at a junction and was t boned by a van. Completely not at fault, full recovery made and driver was actually charged with careless driving. NCD not affected.

The second, I was again stationary at a red light when an old duffer rolled into the back of me, causing very slight damage to the back bumper. Full recovery made and NCD not affected.

I got 2 quotes for the same car, one declaring the above accidents and the other neglecting to do so.

The difference between the quotes was an unbelieveable £300!!!!!

£650 with no accidents Vs £950 with 2 NON FAULT accidents.....

Whats the point?

Tony@Greenlight

Most Insurers do not load for Non-Fault incidents in which full costs were recovered.

We have encountered some open market (non-scheme) Insurers that adopt the view that due to the costs associated with them having to pay out first, recover their outlay and administer the claim but these Insurers are few and far between.

As you say, you were merely unlucky and from the circumstances provided neither of these were due to loss of control, concentration or any aspect of your driving.

At Greenlight, we deal with a number of specialist Underwriters and I can confirm that all of our main schemes do not load for recovered incidents of this nature.

If you are being penalised for incidents of this nature, we would be happy to help source cover for you.

Either log onto www.greenlightinsurance.com or call on 01277 263030 and we'll try to assist.

Alternatively, i'd suggest that in addition to us you try Gary @ Keith Michaels.

Kind regards

Tony