Specialist car insurers after fire claim?

emlou2009

Earlier this year my car was torched, the police didn't catch the idiot that did it so I had to claim on my own insurance, therefore lost my NCB. It seems madness to me that I did nothing wrong yet am still being treated as if I am an irresponsible driver. My partner and I share the car equally so I have been able to get quotes with myself as the named driver which takes the premiums down considerably, but he has never earned NCB on his own policy.

Are there any insurers that will take individual circumstances into account, given that a fire claim is only a fault claim through technicality? If anyone can offer any help/tips at all then please, please do, we literally cannot afford the current quotes we're getting and we can't take the car off the road due to having a baby due within the next two months. Thank you in advance.

vaio

I guess the insurance company view point is not that you are a riskier driver but more that you demonstrably park in areas where arsonists ply their trade and are therefore a riskier prospect deserving of a higher premium.

Throw in the “anyone involved in one incident is more likely to make a subsequent claim” theory a lot of insurance companies subscribe to plus the fact that fires used to be a method of getting a payout on a mechanically knackered car (not suggesting for a minute this applies in your case) and you can see why you are getting the high prices.

All you can really do is use the standard methods on the main site to find the best value offering, good luck

charlea

feel for you my car was written of last year by fire a guy torched his car and his car caught on fire and burn my car out
i had to claim on my insurance and it went fro m35 a month for 2 cars to a whopping 98 a month for one car

InsideInsurance

Insurers will ask you what type of claim you had and take into consideration that it was a fire claim rather than an at fault accident automatically. It is ultimately a "no claim discount" not a "no blame discount". Statistically, once you've made one claim you are more likely to make a second and therefore insurers rate on that basis.