Admiral.........

Eck

My sons renewal is due on the 7th April 2007, i am a named driver on this policy, he paid approx £1500 last year to Admiral Insurance for a 10month bonus accelerator policy, to date he has had 2 non fault accidents, i have just rang Admiral and asked them for a renewal based on the fact that we have had no claims made against them, i was astounded when i was quoated, wait for it.....................£2800, :mad: :mad: i questioned this and was told that they take into account non fault claims, apparently its based on some statistics that if you've had 2 non fault accidents you are more than likely to have a third, what utter bollox, considering none of the claims made were any of our fault with the third party taking 100% of the blame, to me this is just a huge con and he has been punished instead of receiving a reduction in his policy..........mad as hell i am...... :mad: :mad: :mad:

LizD_2

What kind of car does he drive?! :eek: He needs to shop around for a better deal anyway, by the sound of things. Although the accidents weren't his fault, sadly insurers do see you as a greater risk when you're involved in one regardless of fault.

Eck

Its a peugeot 106 gti, Liz, but regardless of the car surely the premium shouldn't double in price??

movilogo

Admiral says, in case of claim (irrespective of whose fault), if they can't claim back the money from other insurer (faulty party) they will flag it is a claim!

I see that other party accepted responsibility.
Did Admiral issue NCB certificate after 10 months??

Eck

movilogo wrote: »

Admiral says, in case of claim (irrespective of whose fault), if they can't claim back the money from other insurer (faulty party) they will flag it is a claim!

I see that other party accepted responsibility.
Did Admiral issue NCB certificate after 10 months??

Not received a certificate as yet, policy not up until 7th April 2007, should i receive a certificate if i've had no claims?

iceicebaby

Have they definately got the claims down as non fault? Your son may be under the impression they are non fault but it may not have been settled that way by the insurers.

His no claims bonus if he has any wil be on his renewal notice.

Eck

iceicebaby wrote: »

Have they definately got the claims down as non fault? Your son may be under the impression they are non fault but it may not have been settled that way by the insurers.

His no claims bonus if he has any wil be on his renewal notice.

Yep they are defo non fault claims, i spoke to Admiral myself....:mad: :mad:

ArchieB_2

They are absolutely correct in that statistical analysis would support the fact that he is now at a high risk of having further claims. The actual reason for this statistic may be down to a number of almost uncontrollable elements (on your son's part). It may be that the claims happened in a high theft/accident areas or on particularly notorious junctions etc. Most people would continue to use these high risk routes due to where they live/work and as such they continue to be exposed to the higher risk areas. It may also be down to driving behaviour.

Of course, there is also the strong possibility that he has simply been unlucky, bad luck which is compounded by the fact that he is now unlucky enough to fall foul of this statistic!

I would say the increase sounds drastic though.

Astaroth

Open claims in most cases will be fault until they are closed.

Insurers are unable to recover all costs from non-fault claims, they can only get back the actual costs of repairs and not the costs of running a claims department, postage etc. Most insurers will only impact you if you have a lot of non-fault claims rather than just a couple though.

The other consideration of cause is the fact that things like bonus accelerator schemes generally are only recognised by the insurer issuing them so you cant go else where and claim the NCD... not much incentive to give them a good price at renewal when you will have 0 NCD elsewhere.