Insurance has gone up because another drive hit me. !!!!!!

lisyloo

Sounds like 'statistically' they think we are (nearly) all con artists

No that's not it.
Simply more likely to claim again.
It has nothing to do with cons/fraud.

Given that some do and some don't increase premiums, then the best advice has to be to shop around doesn't it?

bob_a_builder

Must remember to ask my next prospective insurers if they intend to jack up premiums on any Non fault claims

I'm sure they will all be very upfront and clear about that

Suprised Confused et al don't make it a standard question on their forms so I can avoid such companies :rotfl:

starrystarry

bob_a_builder wrote: »

Must remember to ask my next prospective insurers if they intend to jack up premiums on any Non fault claims

I'm sure they will all be very upfront and clear about that

Suprised Confused et al don't make it a standard question on their forms so I can avoid such companies :rotfl:

Wouldn't work bob. Insurance companies are continually reviewing the way they assess risk, so there would be no guarantee that they wouldn't decide to increase premiums due to non fault claims in the future.

lisyloo

Suprised Confused et al don't make it a standard question on their forms so I can avoid such companies

It's extremely easy to find the currrent situation Bob.
You put in all your baseline details - get figures.
EDIT the same quote, add a non-fault claim, reduce NCD (if not protected) - get new figures, compare.
As the meerkat would say - simples !!

Although as starrystarry says they can change their policy at any point in time so it only gives you a snapshot.

Why do you need to know anyhow?
Surely if they increase you shop around for a cheaper one AT RENEWAL (starting one month before).
You cannot predict your next insurer 1 year in advance as so many things change, just shop round every year, some of us have been doing it for the last 20 years.

mum2one

I can see where the OP is coming from, I'm 39 been driving since was 18. have full no-claims but 2 non-fault accidents, but why I've added in, basically I'm a named driver on my fathers policy and vice versa, I'm generally the one how does the leg work for the insurances, - 2 yrs ago I was renewing his insurance over the phone, we were given a figure, then I asked to re-cap on the cliams bit some policies are 3 yrs others are 5, this particular policy was a 5 yr period, so I declared an accident that had happened on my insurance, which was non-fault, (I'd got my no claims protected) and the other side paid for the repairs and expenses etc, straight after that once the new info was put in it added £20 to the policy. Ok it was £20, but my annoyance for want of a better description was I was non fault, claimed on my insurance, but I was a bigger risk for my dads insurance.

The whole ins policies have changes over the years, (I feel like I'm showing my age), its changed principles so much as a general pointer

It use to be
get 1 yrs full licence behind you, then
policy go down when your 21
then
lower premiums when your 25
then was when your 30.....
Now it feels like 40.......

A lot of the increases has been down to uninsured drivers, ambulance chasers (yes theres people that genuinelly get hurt in accidents, but there are also people who claim and exaggerate the pain etc), you see and hear of people that brake suddenly so your the driver whos gone into the back of them, wham bam its all your responsibility.

My renewal in Dec went from £207 (the yr before) to £350, so I shopped around and got a policy for £230. Yet on price comparison quotes the dearest was 2k.

I fully appriciate to a lot of people £350 for insurance they'd grab at, but when its a 50% increase it does make you take a step back

Extra factors are now being taken into account such as do you have passengers, do you have children in the car (both pointers - increased risk of an acicident).

I would suggest as one of the posters did was to do searches (fake name, fake number etc ) to give you an idea, but say yoy like the price of one insurer, - and you click to find out more thats when the added extras come in, the figure on the comparison site is the basis no frills price.

Quentin

lisyloo wrote: »

It's extremely easy to find the currrent situation Bob.
You put in all your baseline details - get figures.
EDIT the same quote, add a non-fault claim, reduce NCD (if not protected) - get new figures, compare.
As the meerkat would say - simples !!

Why quote a meerkat?

This is a nonsensical exercise, but made so by the lisyloo involvement not a meerkat's!

Anyone following your "extremely easy" way to find out if their premium will increase following a non fault claim will always get the same (wrong) answer. (Reducing the NCD is bound to give you a higher premium!)

Why advise adjusting it at all (whether protected or not)?

lisyloo

Why quote a meerkat?

"Simples" is now a colloquial term that some people use to indicate that something can be easily acheived.
It meant to inject a tiny bit of humour.

This is a nonsensical exercise, but made so by the lisyloo involvement not a meerkat's!

Bob indicated he might want to avoid such companies.
Why is it non-sensical (other than being a snapshot and comapnies changing their policy which 2 of us have already pointed out).

Anyone following your "extremely easy" way to find out if their premium will increase following a non fault claim will always get the same (wrong) answer. (Reducing the NCD is bound to give you a higher premium!)

NO that's simply not true.
Some people have protected NCD and don't have to reduce it and I know for a FACT that some people's premiums do not increase with some insurers.

Why advise adjusting it at all (whether protected or not)?

Because Bob wanted to avoid such companies.
and that's a way to find out quite quickly which ones don't increase the premiums (at todays price) without scouring through dozens of polcy booklets.

OK - I accept the bit about changing NCD is wrong.
If you want to see if a company alters permiums on a non-fault recovered claim then NCD shouldn't be changed.

Quentin

lisyloo wrote: »

OK - I accept the bit about changing NCD is wrong.

Thank you! Took you long enough to get round to saying it!

"The bit about changing NCD" makes your patronising "simple" method of determining which companies increase premiums following a no fault incident with a guilty third party a complete waste of our time.

Once you edit a quote by unnecessarily changing your level of NCD you are bound to get a new, higher premium!

Now who is the simple one round here?

bob_a_builder

Simply more likely to claim again.
It has nothing to do with cons/fraud.

Ok - back on topic again

Because some numb nut runs into my car I am more likely to claim again ?

Why its a random event !

The only assumption can be, that once I find out I can make a no fault claim (for a genuine incident), I'll think, next when I reverse into that bollard or whatever, I know I'll claim someone else ran into me.

Ergo, they are taring us all with the same brush as con artists and fraudster

Wouldn't work bob

No I know, it was somewhat tongue in cheek

korky69

bob_a_builder wrote: »

Ok - back on topic again

Because some numb nut runs into my car I am more likely to claim again ?

my quote went up £90 when a "not at fault accident" was added last week, kid apologizes but says thats the way it is,

i spoke to a few at work about it and some probably are not covered as they only declared any "at fault" claims, as they never thought (like me) that it would not affect a quote .