Your browser isn't supported
It looks like you're using an old web browser. To get the most out of the site and to ensure guides display correctly, we suggest upgrading your browser now. Download the latest:

Welcome to the MSE Forums

We're home to a fantastic community of MoneySavers but anyone can post. Please exercise caution & report spam, illegal, offensive or libellous posts/messages: click "report" or email forumteam@. Skimlinks & other affiliated links are turned on

    • KittyB52
    • By KittyB52 16th Jun 17, 4:08 PM
    • 10Posts
    • 1Thanks
    Car insurance claim - unrecoverable claim?
    • #1
    • 16th Jun 17, 4:08 PM
    Car insurance claim - unrecoverable claim? 16th Jun 17 at 4:08 PM
    My husband was involved in a car accident which was not his fault when a girl ran from the roadside into the side of his car. She was unhurt and admitted fault, although the car had some damage (cracked windscreen, door rim and wing mirror). She admitted fault to the police and the details are in the police report. When he initially spoke to the insurance company they said that he wouldn't have to lose his no claim bonus or pay more. We have now been told that even though he is not at fault, the claim is unrecoverable (as obviously the other party does not have insurance) and therefore his no claims bonus has been reduced and his premiums for the next year have gone up.

    Does this sound right?
Page 1
    • paddyandstumpy
    • By paddyandstumpy 16th Jun 17, 4:48 PM
    • 785 Posts
    • 323 Thanks
    • #2
    • 16th Jun 17, 4:48 PM
    • #2
    • 16th Jun 17, 4:48 PM
    Yes. Fault isn't down to blame, it's down to the ability to recover costs.
    If the claim was against his policy and not recovered, it's a fault claim.
    • KittyB52
    • By KittyB52 16th Jun 17, 4:52 PM
    • 10 Posts
    • 1 Thanks
    • #3
    • 16th Jun 17, 4:52 PM
    • #3
    • 16th Jun 17, 4:52 PM
    Ah, I see. Thank you.
Welcome to our new Forum!

Our aim is to save you money quickly and easily. We hope you like it!

Forum Team Contact us

Live Stats

3,001Posts Today

8,577Users online

Martin's Twitter
  • Shana tova umetuka - a sweet Jewish New Year to all celebrating. I won't be online the rest of t'week, as I take the time to be with family

  • Dear Steve. Please note doing a poll to ask people's opinion does not in itself imply an opinion!

  • Luciana is on the advisory board of @mmhpi (we have MPs from most parties)

  • Follow Martin