Someone drove into me and now it puts £300 on my policy

Parking_Trouble

lisyloo wrote: »

Businesses are primarily run for shareholders not for consumers.
Perhaps you don't like capitalism.
I think it has it's faults but I haven't seen a better system overall yet.

Fair comment but this is not an area where the consumer can opt out of motor insurance unless they give up their car. The consumer therefore needs to be protected.

These massively increased premiums will encourage more people to drive without insurance or lie about their circumstances.

You have think where the money is going and it seems it is lining the pockets of the lawyers and claims management companies and medics.

mikey72

lisyloo wrote: »

I've been without a car many times before - and used a combination of walking, cycling, trains, buses (I'm not talking tour de france either).
I agree that on occassions you might need a taxi or hire car, but you can get an awful lot of taxis for the cost of running a car.
If you add up parking fees, petrol, MOT, servicing, repairs, insurance, recovery policy, tax, depreciation, fuel, then that covers a LOT of taxis.
I agree it depends on where you live.
If you decide to live in the stix where there's one bus a week then that is a choice.
Personally that's something I'd weigh up before I moved and I would understand both the upsides and downsides and not spend the rest of my life moaning about it.

To some people it's not just about money, it can be about health, "me" time, lifestyle etc.
When I'm cycling along the canal, getting some fresh air with the swans and wildlife I find it really peaceful and that enhaces my quality of life and well-being as opposed to being stuck in traffic jams and accidents.

I see you've included the usual proviso that only homeowners, and more specifically only those who who can afford to choose exactly where they live should be allowed to own cars. All other social classes should stop "moaning"

brownie4583

In reply to all the above posts,i am still not a bigger risk to any insurance company,and my premium should not increase if i have a non fault claim,and nothing will change my view on that!!
If a driver skids on my road and there are say 10 cars parked at the side of the road,he could hit any 1 of those 10 cars,so if i was really unlucky and it was mine,my insurance is then increased even though i am in my house,sat on my sofa watching football,and it has nothing to do with me??
Total rubbish!!!!How can there be any statistics on that?
My point is,this is a new policy,which did not exist in the past,along with the other ridiculous policies mentioned previously,which all increase our premiums!!

Parking_Trouble

brownie4583 wrote: »

In reply to all the above posts,i am still not a bigger risk to any insurance company,and my premium should not increase if i have a non fault claim,and nothing will change my view on that!!
If a driver skids on my road and there are say 10 cars parked at the side of the road,he could hit any 1 of those 10 cars,so if i was really unlucky and it was mine,my insurance is then increased even though i am in my house,sat on my sofa watching football,and it has nothing to do with me??
Total rubbish!!!!How can there be any statistics on that?
My point is,this is a new policy,which did not exist in the past,along with the other ridiculous policies mentioned previously,which all increase our premiums!!

Totally agree with you but those working for the insurers on here make it clear that the secret risk criteria and statistics point towards the fact you are more likely to have further accidents.

Like you I don't get it and I think it's unfair.

SteveFromAccounts

Is this still going on?

If you are involved in an accident, your fault or not, you are statistically more likely to be involved in another. That's why your premium increases. It's simple really. Compound this with long-term losses in the car insurance market in recent years, premiums are rising anyway. You still get a great deal on your car insurance (when you consider what is paid out in the event of a claim. For example, I crashed into an Armco barrier, no other cars involved. Total loss of car £2,500, all other costs amounted to over £10,000. And I just hit a barrier.) I fully expect to get flamed for this, but as a motorist who is 22, has the above claim and no NCB and is paying less than £600 a year for fully comprehensive car insurance (believe it or not), I fail to see where the giant rip off is going on.

mikey72

SteveFromAccounts wrote: »

Is this still going on?

If you are involved in an accident, your fault or not, you are statistically more likely to be involved in another. That's why your premium increases. It's simple really. Compound this with long-term losses in the car insurance market in recent years, premiums are rising anyway. You still get a great deal on your car insurance (when you consider what is paid out in the event of a claim. For example, I crashed into an Armco barrier, no other cars involved. Total loss of car £2,500, all other costs amounted to over £10,000. And I just hit a barrier.) I fully expect to get flamed for this, but as a motorist who is 22, has the above claim and no NCB and is paying less than £600 a year for fully comprehensive car insurance (believe it or not), I fail to see where the giant rip off is going on.

So, were you in a no fault accident before this one then, as you're speaking from experience here, or do you actually have access to this elusive proof of this "statistic" all the insurance advocates keep stating as a fact?

bob_a_builder

If a driver skids on my road and there are say 10 cars parked at the side of the road,he could hit any 1 of those 10 cars,so if i was really unlucky and it was mine,my insurance is then increased even though i am in my house,sat on my sofa watching football,and it has nothing to do with me??

Exactly.
I can accept a no fault increase in the case where it was a driving incident in which my driving style might be said have had some bearing on an accident

But if your car is hit at random while you are not in and its legally parked, how can it be any more likely to happen to you again in the future !

SteveFromAccounts

mikey72 wrote: »

So, were you in a no fault accident before this one then, as you're speaking from experience here, or do you actually have access to this elusive proof of this "statistic" all the insurance advocates keep stating as a fact?

My own meandering experience isn't going to prove or disprove anything. And that's the point, really.

I'm not sure what you are seeking to prove? That insurance companies are ripping you off? Or that you are disappointed you are paying too much? You talk of insurance 'advocates' but I don't see how this makes any difference to the point. Insurance, particularly car insurance, is an extremely competitive market and I fail to see how insurers could get away with hiking premiums for non fault accidents unless they had reason to. Perhaps you have some evidence to the contrary? Or are we both debating with no actual statistical evidence?

SteveFromAccounts

bob_a_builder wrote: »

Exactly.
I can accept a no fault increase in the case where it was a driving incident in which my driving style might be said have had some bearing on an accident

But if your car is hit at random while you are not in and its legally parked, how can it be any more likely to happen to you again in the future !

In this case, I'd explain to your insurer and I am certain they would take a reasonable view. As you are speaking hypothetically, it is a good point raised and I would say that there is a discussion to be had surrounding the nature of the 'accident'.

charlea

my car was written off last year an 09 audi tt convertible i was in bed at the time when a car which was arsoned rolled down the hill and hit my car wedging itself against my car and burnt it out totally
my insurance on my mini cooper s which i had insured at the same time /same company privledge went up from 35 a month to just under 100 a month Was this fair It wasnt my fault in any way my car was parked up, stationary, with witness to what happend the car was deliberatly burnt out neighbours actually saw a guy do it
but because there was no one to claim off i had to suck it up with huge increase to my car insurance


i shopped around but i could only find it for 100 cheaper a year and to be honest with the claim still showing on my record i was reluctant to swop in case i had another accident and new insurers dont pay out because i missed something out when swopping over