bloody insurance
 

Im 2010 a woman just tapped the back of my old escort van. Less than walking speed. No real damage. I swapped details and agreed there was no need to make a claim.

When i got home i decided the correct thing to do was report it to my insurace conpany just incase she tried to claim etc.
No claims were ever made and no payouts for any vehicles were made.

So today i recieve a letter from my current insurer.

They have been informed of an undisclosed clain dated **/12/2010.

You premium has gone up £170 for the year.

Theyve got me by the b*lls cos of the cancellation fee etc.

This is why people dont inform insurance companys of minor incidents
Any advise welcomed

Are they saying that you did not disclose the accident? Ask them to provide details of the undisclosed claim in writing and contact the insurance ombudsman.

There saying an undisclosed claim. ive spoken to them. Because i reported the incident. Its counted as a non fault claim. Even though no monies were payed out at all

Similar to home insurance, ring them up to ask if your are covered for something on your policy, some log it as if you've made a claim.

Yep i was too honest.

I guess as its on the data base im gonna get clobbered on the scooby and my other car to

If you never made a claim why should you have to pay extra because they reckon you did.
As said, call the insurance and ask them what claim was made and how much was paid out to the claimant. Don't roll over as the insurance companies are rip off merchants and will screw you over just as much as they would say hello to you on the phone :razz:

Yes im going to be on the phone first thing in the morning. It would appear because i phoned and reported it. Its considered a claim. Although ofcourse no claims were made. This is aparently how insurance works. It seems payout or not its a claim although ive never filled out a claims form

The companies wonder why people put in whiplash claims...

i have just had more or less the same thing happen to me, i took out a new policy, and added my mother as she sometimes may drive my car but i forgot to put a non fault claim for her from 2010, they did a CUE check and it came back as a undisclosed fault claim, it took more than week to sort with a increase in policy because she is apparently more of a risk since the non fault claim.

It still amazes me that some insurers charge extra for one non-fault claim.

I can assure you that not all of them do.

Thats good As the scoobys insured with you

Yep its bonkers. Im more of a risk for a non fault claim that i didnt claim on lol.

As above maybe i should have claimed whiplash etc. Had the tiny scratch sorted on a rusty escort van. The cash would have just payed for my extra premium lol

Won't be a problem :thumb:

Garry if an accident is reported. But no claim is made for damages etc. Is it still considered a claim.

Ive been told its considered a non fault,non loss claim.

you would be amazed what damage people are claiming for whiplash tiny scratches and not even having the damage to the vehicle repaired, but still putting a claim in.

Unfortunately this is common practice amongst many insurers. A taxi driver swiped the door mirror of my wife's car and then had the cheek to say that she hit his car. They both agreed that they wouldn't claim and went on their ways. When she told me what had happened I immediately told her to tell our insurance company just in case he tried to claim. Sure enough her premium went up nearly £200 and even though neither party actually made a claim. It went down on her record as an 'incident'.

Yep you did the correct thing

No loss to insurance company at all. But you still have to pay extra premium.

A couple of years ago someone drove into my car, I informed my insurance about the incident but didn't claim from my insurance but waited until third party accepted blame and processed it directly with them. I have not been penalised because of this and wouldn't expect to be as in effect I have done nothing wrong and not claimed anything from my insurance. It amazes me how some insurance companies work. My claim was just over 1k damages plus a hire car for a week but direct line who was third party insurer dealt with it all without involving my insurance who were marker study at the time and on my renewal I still had 9 years no claims and they were aware of everything as I spoke with them direct.

Yes i still have all my no claims etc. Im just seen as more of a risk because i told them about an incident. I only told them to cover my arse. Just incase the other party tried to claim

They bstards mate I had same and only told my insurance because my dad said to . Never again. I didnt tell my insurance this time and I never will I told them that too. I had not made a claim so when u ask me I will say no. Making a claim is claiming for something and getting compo for it. Which did not happen. This was because my neighbour smashed into my door. I told adrian flux all insurance companys are con people and crooks. My new insurer sent me a letter but My premium stayed the same. As I said if they change it I want it cancelled as I dont agree with the policy. Keep on at them and they should be able to sort it they will always try it on even if you only pay a little extra. Keep complaining so they just dont want you to keep calling.
Its not far mate

Even with PNCB premiums still go up, its crazy ! this is why i didnt claim on my insurance for vandalism, i fixed myself as even tho PNCB my premium would of gone up !

I had I accident with someone I knew on a bike but when I asked for his details he said it wasn't his fault and drove off. It was a few years ago know but I phoned the police and they told me that because I knew where he lived, and he knew that I knew where he lived :freak3: it wasnt an offence. They told me to phone my insurance and let them deal with it, which is obvious once they told me, but at the time I was a bit pi××ed and not thinking straight.

So for those that are in the know, if you exchange details does that mean that by law you have no legal obligation to report the incident, and especially if you agree at the scene that know one will claim? :wonder:

It will be in your policy documents that you should report all incidents to your insurer, no matter how minor and no matter if anyone is going to claim or not.
Doesnt stop people from not doing it though ;)

Thank you for clearing it up for me.:thumb:

Small update
I've written to the insurance data base people. Paid my tenner to get all the detail. I need this as i cant remeber who i was insured with in 2010.

I recieved my new insurance statment today. It shows date, details = accident. Status=unknown. Ncd affected= no.
At the time of this incident i didnt have protected ncd. Although i didnt loose any no claims it almost seems pointless protecting it. As based on what this insurance company sees as a risk. Its gone up anyway

The government say they are going to be making steps to help bring down the cost of car insurance. One of the proposed ideas was to crackdown on whiplash claims but not to sure of the details or any other proposals, maybe someone can elaborate.

They stopped referral fees. But as these were a large source of income for insurers they now have to find that money from elsewhere. Guess who foots that bill?

As for cracking down on whiplash claims, if the gov have done that then what ever it was they did failed. Injury claims are now dealt with through a central gov website but all this did was make it easier for solicitors to submit claims.

I cant account for other insurers but the one I work for have a massive department for investigating injury claims and they claim to save millions each year.