why am i being penalised?

Ihatecameron

As mentioned, unfortunately even if not your fault, the fact that you were 'involved' leads to a premium increase

Which is completely wrong and downright crooked. You can be driving along in accordance with the rules of the road, completely within the law. Then some looney who is speeding, weaving in and out of traffic jumps a red light and smashes into you.

Then your insurance company will try to hit you with a massive increase in premiums for an accident in which you were totally blameless. That is if you are silly enough to accept that.

I simply changed my insurers and when asked if I was involved in any accidents, I said no. Because I was not involved in any accidents. The fact that someone breaking practically every rule of the road, driving without due care and attention runs into my car is beyond my control.

It is a bit like running a person over on a pavement and blaming them for the accident.

NeverAgain_2

...when asked if I was involved in any accidents, I said no...

That was a lie, if I have your story correctly.

You are now one step closer to the reckless drivers whom you claim to despise.

When you are next involved in an accident, the other party may find you are uninsured.

It's no wonder insurance companies do not always behave well when customers set out to lie, cheat and deceive them.

mikey72

NeverAgain wrote: »

...when asked if I was involved in any accidents, I said no...

That was a lie, if I have your story correctly.

You are now one step closer to the reckless drivers whom you claim to despise.

When you are next involved in an accident, the other party may find you are uninsured.

It's no wonder insurance companies do not always behave well when customers set out to lie, cheat and deceive them.

Fortunately, he'll most likely be insured third party for the next time.
The insurer will probably cancel his insurance for the claim though, and try to pursue him for any money paid out. If it's a big claim, they'll try to cancel outright, so everyone will be in court though.
(The accident will be on the national insurers database, so it'll show the moment a claim goes in.)

Ihatecameron

It's no wonder insurance companies do not always behave well when customers set out to lie, cheat and deceive them.

No, instead they try to deceive drivers who are innocent. The more excuses they come up with the more it costs you in premiums. It suits them fine if you lie when taking out insurance, in fact they want you to lie because the only person you are cheating is yourself, it won't cost them a penny if you have an accident. How you think that is cheating the insurance company I do not know, all you are doing is invalidating your own insurance policy.

Ihatecameron

mikey72 wrote: »

Fortunately, he'll most likely be insured third party for the next time.
The insurer will probably cancel his insurance for the claim though, and try to pursue him for any money paid out. If it's a big claim, they'll try to cancel outright, so everyone will be in court though.
(The accident will be on the national insurers database, so it'll show the moment a claim goes in.)

I can assure you my insurance is valid, it has been a few years since that accident. Even if I was in an accident soon after that one, I doubt if it would have made any difference, I have not claimed on my insurance so how the hell are they going to blame me.

vaio

Ihatecameron wrote: »

.......It suits them fine if you lie when taking out insurance, in fact they want you to lie because the only person you are cheating is yourself, it won't cost them a penny if you have an accident. How you think that is cheating the insurance company I do not know, all you are doing is invalidating your own insurance policy.

Nonsense and dangerous nonsense at that, deliberate lies will result in them not paying out for the damage to your car.

They will pay out the third party claim but could well come after you to recover their costs. If you crack someone’s bumper it might cost you a month or two’s wages, badly injure someone and it could cost you your house.

Throw in the fact that you’ll become pretty much uninsurable in future and I’m sure you’ll agree it isn’t the brightest thing to do especially when you can reclaim the non fault premium loading at the root of this from the at fault driver’s insurance company.

Ihatecameron

vaio wrote: »

Nonsense and dangerous nonsense at that, deliberate lies will result in them not paying out for the damage to your car.

They will pay out the third party claim but could well come after you to recover their costs. If you crack someone’s bumper it might cost you a month or two’s wages, badly injure someone and it could cost you your house.

Throw in the fact that you’ll become pretty much uninsurable in future and I’m sure you’ll agree it isn’t the brightest thing to do especially when you can reclaim the non fault premium loading at the root of this from the at fault driver’s insurance company. they have it sown up from every angle.

And what do you think they will pay for if you have third party or third party fire and theft? Certainly not any damage to your car.

Insurance companies need no encouragement when it comes to looking for loopholes. The first thing they will do on a claim is go through your policy with a fine toothcomb. If they find anything amiss, no matter how small the policy will be voided there and then, and as you pointed out, the other party will be instructed to take the matter up with you, any monies outstanding after you have been fleeced in court will be covered by the MIB and you will have to pay them back as well. Your insurance company will not pay a penny if they can help it.

leosayer

Ihatecameron wrote: »

I simply changed my insurers and when asked if I was involved in any accidents, I said no. Because I was not involved in any accidents. The fact that someone breaking practically every rule of the road, driving without due care and attention runs into my car is beyond my control.

That's fraud.

Ihatecameron

leosayer wrote: »

That's fraud.

On what basis?

leosayer

Some drivers are able to anticipate dangers and avoid putting their car in situations which would involve an insurance claim.

It seems quite logical that insurance companies charge higher premiums to those who get involved in accidents if the statistics show that they are a higher risk for accidents in the future. These are the same statistics which give younger drivers a significantly higher premium than older drivers.