no fault claim = car insurance doubling!!!

nqt2010

I was recently in an accident, the other party accepted full liability and im still in the process of sorting out the claim.

My car was a total loss and I have just received the cheque for my car (which is for a lesser amount than agreed but this is getting sorted) but the hire car has been taken off me now.

I haven't yet been able to replace my car but have been looking around and getting quotes to see prices etc. All the cars I am looking at seem to cost the same regarding insurance. But I am horrified at the cost.

I am 23 with 3 years NC and had just got my insurance down to £600 and quotes now are coming in at around £3000. After much searching the cheapest is around £1300 - but that includes a massive excess because of the compulsory excess due to my age which is added to the voluntary.

I have both my parents on as named drivers or I would be paying an absolubtly ridiculous amount of money. I even tried quotes on the car that I had but there was no difference between that and prospective new cars.

I am so annoyed by this. I don't have a regular income as I work as a supply teacher due to no jobs. However I need my car for my job because I can be required to travel large distances.

When your claiming for a no fault accident, can you get any money towards your rise in insurance costs???

Not only have I got the inconvenience of losing my car and having to try and replace it with the pittance I received but I have got to fork out an extra £700+ just to get insurance. This is pretty difficult when I have little money due to lack of work but then needing a car in order to actually make money!

vaio

If the extra costs are solely due to the non-fault accident then they are reclaimable from the at fault party exactly the same as any other consequential costs

nqt2010

Thanks for that, hopefully I should be able to claim at least some of the money then. I'll have a word with my insurance company.

vaio

You need to get your insurance company need to document the increase as being due to the non fault then you will need to claim it off the third party insurance.

It's unlikely your company will help with the claim as it's not money they have paid out

PNPSUKNET

dont think you can claim from the other party for this.

vaio

It's a consequential cost due solely to the accident, why on earth wouldn't you be able to claim it?

Quentin

Because its not considered an uninsured loss in the courts.

vaio

I'd say that anything extra I have to pay that I wouldn't have had to pay had the accident not taken place is an uninsured loss and recoverable. Given most companies now load for non faults it's also foreseeable.

I did just this 8 or 9 years ago, my case didn't get to court, Direct Line just paid on receipt of the documents.

When you say it's not considered an uninsured loss by the courts is this just opinion or do you have a link to any actual cases?

or indeed any logical argument for why premium loadings shouldn't be treated exactly the same as say loss of earnings or car hire costs?

Quentin

It sounds like you were lucky, and they just nodded your claim through.

It is accepted that this isn't an uninsured loss, and normally wouldn't get paid.

Your experience shows its worth trying for!

property.advert

You really need your maths head on to get the sums for this right as they are no way straightforward.

You may think that if £1000 now and £500 before then the cost is £500 but it isn't. Say you don't have a claim then the following year you'll still be loaded and the year after that and so forth until say 5 years. Then there is the risk that this claim, added to potential future claims, could push you over the maximum amount of claims you can have in any one period and still get insurance. Then there is your time now and in the future to shop around to get these quotes. Then time to find a new car, loss of use and all manner of other things which you can only possibly begin to think of.

Quite simply, if they had not caused your accident / claim, you would have had to do nothing. By definition, everything you have had to do because of that either has a cost or can be given a cost and that is what you claim for. They will likely deny it or most of it but they don't want you in court trying to prove your case with any media interest.

vaio

Quentin wrote: »

It sounds like you were lucky, and they just nodded your claim through.

It is accepted that this isn't an uninsured loss, and normally wouldn't get paid.

Your experience shows its worth trying for!

Don't know about lucky, I assumed it was either because they couldn't come up with an argument that would convince a county court judge why it shouldn't be paid or they CBA to defend a <£500 claim.