Car Ins claim 18mnths ago - now no blame

[Deleted User]

Wife had an accident about 18 months ago and this was recently the subject of a small claims court case. Fortunately, it went in our favour and we're going to get our excess back and this will now be a no blame claim.

Since it was a while ago, we have since switched to a different insurer (about 7 months ago in fact). When we took out the policy we had to put this claim down as unresolved and, because of this, we'd also lost two years worth of no clams, so paid the premium on this basis.

Can I now go back to my insurer and expect them to amend the original price based on these new facts? For instance, if I paid £400 with two claims and 40% no claims, could I expect them to work out what it would have been for 1 claim and full no claims, and then get a refund off them?

Hope so, because it seems a bit unfair otherwise because it seems these insurance claims can take a while to sort out...

Quentin

Yes. Get written confirmation from the relevant insurer that your NCD has been reinstated and pass this to your current insurer for them to amend their records and your premium.

Anihilator

No you can't

You can ask them to ammend your current insurance (i.e current year) with the new information however sunk costs due to the problems should have been claimed back as part of the small claims action.

That insurer offered cover based on the valid info at that time and cant be held liable for a pending claim

dacouch

Anihilator wrote: »

No you can't

You can ask them to ammend your current insurance (i.e current year) with the new information however sunk costs due to the problems should have been claimed back as part of the small claims action.

That insurer offered cover based on the valid info at that time and cant be held liable for a pending claim

Quentins advice is the correct advice

[Deleted User]

Anihilator wrote: »

No you can't

You can ask them to ammend your current insurance (i.e current year) with the new information however sunk costs due to the problems should have been claimed back as part of the small claims action.

That insurer offered cover based on the valid info at that time and cant be held liable for a pending claim

But how on earth would I be able to tell how much extra my next years insurance was costing me due to the accident?

Quentin

Remember what it says at the top of every page:

Anyone can post so always exercise caution when acting on info

Anihilator

dacouch wrote: »

Quentins advice is the correct advice

Really?

The current year I agree the premium can be changed and the extra refunded. However previous years now passed the insurer based on the correct current information and charged accordinly. How exactly can they be deemed liable to refund based on a change of circumstances outwith their control

The extra premiums payable due to the other insurer not accepting blame imo surely should have been factored into the claim. I would be very interested to see evidence suggesting the insurer should have to refund premiums they charged in good faith due to an outstanding blame claim being reversed.

If it was still the same insurer it might be different given the blame claim was presumably down to their slow responses.

[Deleted User]

Anihilator wrote: »

Really?

The current year I agree the premium can be changed and the extra refunded. However previous years now passed the insurer based on the correct current information and charged accordinly. How exactly can they be deemed liable to refund based on a change of circumstances outwith their control

The extra premiums payable due to the other insurer not accepting blame imo surely should have been factored into the claim. I would be very interested to see evidence suggesting the insurer should have to refund premiums they charged in good faith due to an outstanding blame claim being reversed.

If it was still the same insurer it might be different given the blame claim was presumably down to their slow responses.

Well, it hasnt been reversed. When I took out my new policy this claim was listed as unresolved. As such, the new company (and they all do this) chose to count this as a blame claim.

Its not my fault that it takes ages to sort out.

What would happen if you had an accident on your last day of insurance? And then wanted to change to another?

Are you saying:-

1. Dont change (the insurance companies would love this).
2. Suck it up - its tough because its not been sorted yet.

dacouch

Anihilator wrote: »

Really?

The current year I agree the premium can be changed and the extra refunded. However previous years now passed the insurer based on the correct current information and charged accordinly. How exactly can they be deemed liable to refund based on a change of circumstances outwith their control

The extra premiums payable due to the other insurer not accepting blame imo surely should have been factored into the claim. I would be very interested to see evidence suggesting the insurer should have to refund premiums they charged in good faith due to an outstanding blame claim being reversed.

If it was still the same insurer it might be different given the blame claim was presumably down to their slow responses.

As Quentin has already pointed out it is common practice throughout the industry, if you put in a claim to your Insurers it is regarded as being a fault claim with your no claims bonus being reduced by two years (Assuming no protected ncd) and possibly a load for having a claim until the following renewal. Once the Insurers recover their outlay or you recover your outlay eg your excess. At this stage the Insurers would reinstate the no claims bonus to what it would have been if the claim had not happened. They will refund any premium the increase in no claims bonus has caused along with any load for the fault accident (Some Insurers will still load for a non fault accident).

If the client has changed Insurers they simply send the revised no claims bonus proof through and the new Insurer will refund the difference the increased no claims bonus has made and again any loads for the fault accident (Again they may retain a load for a non fault accident depending on the Insurer).

If you want evidence just ring your Insurers up and ask them to confirm what I have said is correct

http://www.cabsurance.com/Zenith_making_a_claim.pdf

https://secure.larkinsurance.co.uk/motorclaims.html

Anihilator

dacouch wrote: »

As Quentin has already pointed out it is common practice throughout the industry, if you put in a claim to your Insurers it is regarded as being a fault claim with your no claims bonus being reduced by two years (Assuming no protected ncd) and possibly a load for having a claim until the following renewal. Once the Insurers recover their outlay or you recover your outlay eg your excess. At this stage the Insurers would reinstate the no claims bonus to what it would have been if the claim had not happened. They will refund any premium the increase in no claims bonus has caused along with any load for the fault accident (Some Insurers will still load for a non fault accident).

If the client has changed Insurers they simply send the revised no claims bonus proof through and the new Insurer will refund the difference the increased no claims bonus has made and again any loads for the fault accident (Again they may retain a load for a non fault accident depending on the Insurer).

If you want evidence just ring your Insurers up and ask them to confirm what I have said is correct

http://www.cabsurance.com/Zenith_making_a_claim.pdf

https://secure.larkinsurance.co.uk/motorclaims.html

I agree they will reverse the NCD issue and revise the premium for the current year but I dont for a second think any complete period will be revised or refunded as the information was fully correct for that period.

dacouch

All of the companies I have ever come across will refund the premiums going back for at least the last three years.

Ring your own Insurers and ask them to confirm Quentin and I are correct