car accident no claim made but premium hike

Toddy

Hi,

I have been involved in a hit and run whilst stationary in my car. I did the dutiful thing, informed the police and my insurance company. My legal team repeatedly asked "are you sure you don't have whip lash (this is zurich by the way) and I said no!

However my renewal has gone up from £340 to £1220. I asked why. They said I made a claim. I laughed and put them straight. The police have caught the scum bag but my insurers tell me that until the incident is cleared well take £1200 thankyou very much and we will return the balance. I asked what the balance would be and they couldn't tell me. I laughed some more. So they could stick to their guns and say "actually your renewal was £1200 pre accident so we owe you nothing. I told them to stick it and moved on. All the compare websites ask if you have been involved in an accident whether you claimed or not. I did quotes for with and without an incident and find that I am being charged a premium just because i reported this scum bag to my insurers. The damage was something and nothing, I'll do the repair myself. I wish I hadn;t said anything but I wanted the police to take one less low life off the road which it looks like they will do but at what cost?

How do I get a quote for reflecting the fact that nobody parted with any money, made any claims, I am not a risk etc etc. I am being treated like an outcast. I have found an insurer that listened to my predicament but still want a letter to say that it was only a notification, that is to say that I only notified my insurer. I have also found out that when I eventually get the policy details of the scum bag from the police (they have it and its coming my way) should I make a claim off his insurers that is down as having made a claim! What is the point of it all. If your innocent your premiu goes up regardless!!

I'd be interested in somebody who has experienced the like.

Toddy

emweaver

Ive no idea

M car insurance has shot up too for a claim I made against a vandal writing car off I think this too is unfair I should loose out cos of some scum bag