Reported Insurance Incident being recorded on my claims history

jazzy

A few months ago my car was damaged by a football from a nearby football match. I contacted my insurance company 'Saga' just to report the incident in case there was a problem with making a claim against the club. I asked Saga if this reported incident would affect future policies and I was assured that if I wished the incident to be removed from their systems to quote a reference number and the incident would be removed completely from their systems.

Because of this information I was happy to report the incident. The football club has now paid out for the damages but when I phoned Saga to remove the record of the incident. I was informed that it would still be recorded on my history. I was informed that it would no effect any future policies, but is this information correct?

Rossy.

In the real world, yes it's correct.

Although you didn't claim against your own insurance, you've had damage to your car and all damages and 3rd party claims have to be reported

So i would say they are within their rights to carry this information but whether they use this info to offset your next premium is anyones guess

Good luck

Hintza

jazzy wrote: »

I was informed that it would no effect any future policies, but is this information correct?

This is where I just do not believe the insurer. OK they might be telling the truth but it could well be another black mark against the relevant postcode which just means increased premiums for all

jazzy

Thanks for the information.

So when I complete next year's renewal form (perhaps I will be using a different company next year?) do I have still have to report this incident on the renewal forms?

Rossy.

jazzy wrote: »

Thanks for the information.

So when I complete next year's renewal form (perhaps I will be using a different company next year?) do I have still have to report this incident on the renewal forms?

Yes mate

Legally ALL insurance claims whether it's your at fault or not, or if you've claimed or not have to be reported by law

I know it sounds petty but not disclosing it voids your insurance. Not worth the hassle IMO.

Quentin

Rossy. wrote: »

I know it sounds petty but not disclosing it voids your insurance. Not worth the hassle IMO.

Worse than just "hassle", as this incident will now be on the CUE database, were you to move insurer and not declare it, it might be only when you are involved in another claim that the insurer delights in refusing to pay the claim on the grounds of non-disclosure.

Rossy.

Quentin wrote: »

Worse than just "hassle", as this incident will now be on the CUE database, were you to move insurer and not declare it, it might be only when you are involved in another claim that the insurer delights in refusing to pay the claim on the grounds of non-disclosure.

Oh i definately agree.. Just didn't have the time to type it as elegantly as you

TRADESIZE

The advise about it staying on policy is correct, but the initial advice about being wiped is totally wrong. Register an official complaint, if your not happy don't accept the explanation. Threaten to go to the financial ombudsman, if you do that I can almost be sure they'll sort it out for you!!

reduceditem

Quentin wrote: »

Worse than just "hassle", as this incident will now be on the CUE database, were you to move insurer and not declare it, it might be only when you are involved in another claim that the insurer delights in refusing to pay the claim on the grounds of non-disclosure.

This is very important.

Any 'no fault' claims should be reported when seeking a new insurer. It is unlikely to adversely affect the premium, but you have the peace of mind of knowing that you've answered all questions fully.

I had two 'no fault' claims last year. One of the incidents involved someone crashing into my vehicle while it was parked on my road. The other involved someone sailing into the back of me as I was stopped waiting to enter a roundabout. The second incident occured right at the tail end of my policy year, so I had already begun looking for a new insurer. I had first generated a price without mentioning any of the claims as I mistakenly thought I didn't need to as they were 'no fault'. Anyway, I then corrected this by contacting my new prospective insurer to tell of the first claim (the second one still hadn't occured yet).....it didn't change the proposed premium even by a pound. Then the second claim occured and I phoned them again to report it and the proposed premium was increased by just £15 (which I accepted).

Bit of a boring story but it may help guide someone in a similar situation!