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No claim made for car incident but premium still increased
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pedgepuk
Posts: 111 Forumite
Hi all,
I've just been informed by Admiral that my premium is to increase because of a call I made to them back in September 2008 to inform of an incident that took place through no fault of my own.
I posted a new thread back them to get some advice and if it would be wise to report the incident to the insurers. To cut a long story short, I was waiting in traffic and the driver in front reversed into my vehicle but no damage was caused.
http://forums.moneysavingexpert.com/showthread.html?t=1171283
I'm now being told that the premium is to increase by nearly 30% because I logged a non-claimed incident to which I'm pretty incensed about. I can't believe how I can get penalised for not making a claim and to also be screwed over for somebody else's idiotic maneuver.
I now regret calling them to report the incident but then again there are people out there who'll try anything to claim whilst lying through their teeth. I was in fact informed by the claims advisor at the time that my renewal premium would not be affected and hopefully they will find the recording of this.
Surely this is malpractice and daylight robbery to fund other claims by other individuals. I would understand if I'd made a claim and asked them for money but not when I just made a call to inform of the minor incident.
Would anybody have any advice?
TIA
Pete
I've just been informed by Admiral that my premium is to increase because of a call I made to them back in September 2008 to inform of an incident that took place through no fault of my own.
I posted a new thread back them to get some advice and if it would be wise to report the incident to the insurers. To cut a long story short, I was waiting in traffic and the driver in front reversed into my vehicle but no damage was caused.
http://forums.moneysavingexpert.com/showthread.html?t=1171283
I'm now being told that the premium is to increase by nearly 30% because I logged a non-claimed incident to which I'm pretty incensed about. I can't believe how I can get penalised for not making a claim and to also be screwed over for somebody else's idiotic maneuver.
I now regret calling them to report the incident but then again there are people out there who'll try anything to claim whilst lying through their teeth. I was in fact informed by the claims advisor at the time that my renewal premium would not be affected and hopefully they will find the recording of this.
Surely this is malpractice and daylight robbery to fund other claims by other individuals. I would understand if I'd made a claim and asked them for money but not when I just made a call to inform of the minor incident.
Would anybody have any advice?
TIA
Pete
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Comments
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i take it is for your renewal - do an insurance price comparison and then take the cheapest quote back to them and see if they will match it -The mind is like a parachute. It doesn’t work unless it’s open.:o
A winner listens, a loser just waits until it is their turn to talk:)0 -
I now regret calling them to report the incident but then again there are people out there who'll try anything to claim whilst lying through their teeth. I was in fact informed by the claims advisor at the time that my renewal premium would not be affected and hopefully they will find the recording of this.
Surely this is malpractice and daylight robbery to fund other claims by other individuals. I would understand if I'd made a claim and asked them for money but not when I just made a call to inform of the minor incident.
Would anybody have any advice?
You had no choice regarding whether or not to inform your insurer, (unless you would have been prepared to risk voiding your insurance at some date in the future when you do need to make a claim and give them this breach of contract by failing to declare)
As already mentioned, your risk profile altered as a result of the incident, and thus your premium is being raised so that it is higher than an identical driver with a clean record.
As far as being told your premium was unaffected, this is another exampke of why anything like this should be confirmed in writing.
They will have no record of this in your notes, so it is your word against theirs.
Follow the advice already given and shop around.0 -
Do your Insurers still have the claim "Open", when you report a claim Insurers normally open a file and await the claim. It can often take months or years for them to be advised by the other party.
What they normally do is assume the claim is a fault claim until they either close the file as no claim paid out or you prove you were not at fault by recovering your losses from them.
Give Admiral a ring and ask them if the claim file is still open and have the reduced your no claims bonus / noted a fault claim against you.
If they have post back up here and we can advise you0 -
I again spoke to Admiral this evening by calling their claims department rather than renewals.
Interestingly enough the guy I spoke to first did say that my premium will not be affected by reporting an incident but not making a claim. As the conversation went on and with the advisor again declaring that there would be no increase in premium at renewal, I decided to tell him what exactly happened when I called renewals.
Even with my explanation he still went on saying that there would be no increase, however, he then decided to get confirmation from his superior. After a while he returned to say something totally different, this being that yes, premiums are affected even if you do not claim but report an incident.
As one of the posters also mentioned, by reporting an incident and not claiming, the driver is re-classed to a higher risk category even though they were not at fault.
Personally I feel this is theft as there was nothing to claim from them nor was the incident a fault of my own.
I explained to him that if I were to walk into a bank tomorrow to ask for a mortgage with my other half, and the bank agreed that we can have a mortgage at a high of 6% rather than 3.5% because my other half had a bad debt a few years back, then I'm getting penalised for someone elses doing. If the mortgage is done solely in my name then I can qualify for the 3.5% because my credit rating is good. May be this isn't the best example but he and his manager understood.
I spent a long time on the phone with his manager and they will pull out the recording from last September to check what the original advisor said during that call.
Even with 13 years no claims you still get kicked in the teeth but hopefully there'll be some resolve and I won't be robbed because of following the guidelines.
Sometimes it does work in peoples favour if you don't always play straight...0 -
Do you have protected no claims bonus?0
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Personally I feel this is theft as there was nothing to claim from them nor was the incident a fault of my own.
How is it theft? You are under no obligation to accept their renewal offer if you don't like it.I explained to him that if I were to walk into a bank tomorrow to ask for a mortgage with my other half, and the bank agreed that we can have a mortgage at a high of 6% rather than 3.5% because my other half had a bad debt a few years back, then I'm getting penalised for someone elses doing. If the mortgage is done solely in my name then I can qualify for the 3.5% because my credit rating is good. May be this isn't the best example but he and his manager understood.
It's not a good example at all. It may seem unfair, but unfortunately claims stats show that people who have been involved in a non-fault incident are a slightly higher risk than those who have not. Hence it will affect the premium, in the same way that some other things which are outside your control affect the premium, like your gender and your age.Even with 13 years no claims you still get kicked in the teeth but hopefully there'll be some resolve and I won't be robbed because of following the guidelines.
No-one's being robbed. You don't have to accept their renewal offer.0 -
Have you established whether they have the claim as "Open" still, if they do then they are almost certainly rating it as a fault accident.0
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Two issues:
In general I don't agree about No fault.
Most accidents are avoidable.
In you've been involved in one then you are very probably at fault for not avoiding it.
That's harsh as there are a few that are very difficult to avoid like rear enders.
If you are involved in one of the minority that cannot be avoided then you jsut ahve to regard that as very bad luck but MOST are avoidable by ANY party according to the police (I've been on riding courses with the police).
The second point is that your insurer doesn'nt know whether it's your fault or not.
They could get someone to spend a few hours looking into it (which would ultimate cost consumers) or they can stick up general rules.
The general rule is that you are more likely to claim if you've already been involved in an accident.
It's very unlucky if you are the exception, but I'm sure you can see the logic in not spending hundreds (or even thousands) of pounds investigating every single case as ultimately that would be you having to pay.0 -
I'm not sure preaching to MSE members that most accidents are avoidable, everyone makes mistakes occassionaly which is why they are called accidents. Granted by driving defensively and being observant you can reduce the chances of accidents.
If you read the OP original post on MSE you will note the person in front reversed into him at traffic lights. Its clearly a non fault claim however if the other driver was in any way dodgy they could pretend the OP drove into the back of them.0
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