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  • FIRST POST
    • twitterpated
    • By twitterpated 19th Mar 17, 2:55 PM
    • 26Posts
    • 9Thanks
    twitterpated
    Car insurance tripled because of incident that wasn't my fault, no claim made!
    • #1
    • 19th Mar 17, 2:55 PM
    Car insurance tripled because of incident that wasn't my fault, no claim made! 19th Mar 17 at 2:55 PM
    In July last year my boyfriend's car was hit by a stolen car that had been sandwiched between us and the police in an unmarked police vehicle. The police got out of the car and tried to get suspect out of the stolen vehicle, the stolen car then reversed into our car and drove off.

    There was no damage to either car but there was a police report made in case the owner of the stolen vehicle made a claim in the future we were advised to tell our insurer.

    Now, months later when retrieving a quote for renewal the price has tripled for both of our cars since this "information only" report has been logged as an incident by our insurer Admiral.

    We've been directed to a solicitor to handle this but have not got much time before the insurance for the year ends. So, to summarise, the insurer has taken explicit 'information only' and logged it as an incident when no claim was made and no premiums should have been affected as a result of this incident.

    Is there any solution to this ridiculous hike in price? we're being asked for £3000 for the year for 2 cars we are 27 and 25 years old and each have over 6 years NCB each.
Page 1
    • paddyandstumpy
    • By paddyandstumpy 19th Mar 17, 3:11 PM
    • 893 Posts
    • 394 Thanks
    paddyandstumpy
    • #2
    • 19th Mar 17, 3:11 PM
    • #2
    • 19th Mar 17, 3:11 PM
    Either the claim is still open and they are rating it as a fault claim, until it's settled otherwise, or they are just pricing themselves out of the risk (i.e. they no longer want to insure you so they rate you so high you leave).

    Just put your details into the comparison sites (declaring you had an incident but no claim made) and vote with your feet.

    You can't insist no premiums should have been effected, insurers can rate on whatever information they deem fit to price a risk.
    • huckster
    • By huckster 19th Mar 17, 3:15 PM
    • 3,007 Posts
    • 1,257 Thanks
    huckster
    • #3
    • 19th Mar 17, 3:15 PM
    • #3
    • 19th Mar 17, 3:15 PM
    Speak to Admiral claims about how exactly the claim is registered. It sounds like they think a claim could be made against the policy, not just information only.

    If necessary make a formal complaint.

    See how much Admiral would quote you as a new customer.

    Get other quotes. Best to speak to brokers.
    • FutureGirl
    • By FutureGirl 19th Mar 17, 4:17 PM
    • 996 Posts
    • 407 Thanks
    FutureGirl
    • #4
    • 19th Mar 17, 4:17 PM
    • #4
    • 19th Mar 17, 4:17 PM
    It is still an incident, and you still need to declare it. Even though it's non fault your premiums will still be affected, but they will also be affected by other things such as IPT etc.

    As above, it may still be open - confirm with your insurer about whether the claim is closed and as non fault.
    • MBdriver
    • By MBdriver 20th Mar 17, 6:24 PM
    • 5 Posts
    • 1 Thanks
    MBdriver
    • #5
    • 20th Mar 17, 6:24 PM
    • #5
    • 20th Mar 17, 6:24 PM
    I had a very similar situation a few years ago. First thing is, pay your £10 Subject Access Request fee and check what is recorded about the incident on the MIB (see their web site, Motor Insurers' Bureau database). If no incident is recorded then there is nothing to declare to insurers. But if it *is* recorded, then you MUST declare it, or you really are playing with fire, as well as inviting a criminal record - so don't be tempted. Then just shop around using the price comparison web sites. I've found it makes at most £10 difference to the premium, often none at all. I declared it as a no fault no cost accident, depending on what the drop-down menu offers as options. Easy check is do the price comparison process without declaring it to get the baseline premiums, then go back and edit your detail to include it, all else stays the same, and see what the new premiums are. I wouldn't waste time and effort arguing the toss with your current insurer, you won't get anywhere. Did you EVER hear of an insurance company admit they got it wrong? I haven't in over 45 years of motoring... Just take your business elsewhere and never go back to that company. You won't run out of other firms perfectly happy to take your money!
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