Car Insurance after 2 No Fault accidents

Gemmzie

I've had two No Fault accidents in the past year and it's going to make my insurance sky-high.


Any suggestions on how to keep it low. Both accidents are completely due to someone hitting me and my car has been written off both times.

Do I have to aim to buy a banger and go back to third party?

Gordon_Hose

Putting your excess up can often bring premiums down. After 2 claims I put my excess up to £400, now after a couple of claim free years I put it back down to £250.

Depends if you can afford that though.

Gemmzie

I can afford a £400 excess more easily than a jump from £300 a year to over £2000! Thanks

kBoothy

it depends on many factors, your age is the biggest one, a young male driver insuring an old car will still cost the earth, not because of the potential damage he will cause the car but potential damage he could cause to someone something else, risk factor. Yes you had two claim but they are non fault so you still have your no claims bonus. Why not go online and obtain quotes now for your current vehicle, then you can decide if you need to go for an old car. Third party is not that much cheaper than comp, depending on your status and third party only is not worth going for for the same reason. allot of insurers dont offer third party only so it limits your market when looking for quotes.

vaio

On-line comparison is the way to go. Assuming that both were settled in your favour and all the costs have been recovered from the third party then I wouldn’t have thought that it would have made a lot of difference in your premium.

If you are still getting silly prices then a broker might be worth a try (general advice is to avoid swintons)

There is a gender divide, we’re both north of 50 but on my group 20 car adding my OH (two claims in the last three years, one fault, one non fault) reduced my premium by 10% ish. The only claim I’ve ever made was a theft claim in 1978 and I have a clean licence.

Irritatingly adding me to her policy (ordinary 2l saloon) increased her premium it so it appears that women who have a habit of getting involved in accidents are less of a risk then men with perfect driving records. Go figure....

Gordon_Hose

I added my OH to my insurance as a named driver, reduced it by about £150.

She doesn't even drive my car.

movilogo

Women are considered lesser risk. This is because statistical record shows when women involved are accidents, they are minor one (eg. scraping) and cost of repair is small.

When men are involved in accidents, they are often major (eg. cars written off) and cost of repair/replacement is much higher.

Gemmzie

I'm 22 but have 5 years protected no claims (thankfully) but even my current car, quotes are coming up really high. Very unfair given they are meant to be "non fault"

Money_saving_Martyn

Follow Martin's guide on obtaining cheaper insurance.

Make sure you have checked that the quotes have marked your claims as "non-fault". My OH, a coffee shop worker, was listed as a "van driver" on one site after I'd completed the form with "coffee shop worker" on the comparison site.

Sorry to hear you've had these non-fault accidents. Sounds like you've been in the wrong place at the wrong time, twice.

There is always the chance to do extra driver training. Whilst the accidents were not your fault, there could be things you can do in the future to avoid giving other drivers a chance to crash into you and it could be a useful investment if you often drive to places where people like to crash into you. Check to see if the IAM (http://www.iam.org.uk) has a group near you; it could be a good investment if non-fault accidents are making insurance more expensive.

interstellaflyer

With accident repairs, your insurance company pays out for the repair then claims it back from the other persons insurance, with 'No Fault' accidents they stay on file untill the other parties insurance company pay yours and this can affect your premiums, as they both happened within a year it could be that either one or both have yet to pay up, I was in a similar situation back in 1997 although the rules may have changed since then.