insurance claim

rooster

I was wondering if anyone can offer some advice. My 72 year old fathers car was written off by another driver and my mother was badly injured. The driver had borrowed the car from his mother who was the insured driver at the time. The problem is my fathers insurance quotes seem very high as he has unblemished record and 9 years NCD. The irony is that my father is with the same insurance company as the other party and I am wondering if my fathers insurance is so high because of this. I would be grateful for an opinion or suggestions.

windym_2

I understand that insurance companies now ask you to reveal all accidents regardless of fault. So your fathers high quote may well reflect this. Why don't you shop around and see if all quotes are similar. It could also be to do with his age (sorry, don't mean to sound blunt!)

There are lots of posts with good insurance companies/deals on.

Bossyboots

Having an accident that is someone else's fault should not affect your no claims bonus. It does what it says, it is a bonus for not claiming from you policy. What can happen though is that you have an accident just before renewal. If your insurer has paid out for your damage but not yet recovered the cost from the other driver it goes through as a claim. Once it is sorted, the cost drops and any extra premium is refunded.

Also, this could be happening if the actual driver was not insured. It doesn't matter if the driver's mother had insurance, he would have needed his own, or be a named driver on the policy, to be covered. If it is the case that he was not insured, then (assuming your father is fully comp) your father's own insurers will have to meet the cost of repairs and this will affect his NCD.