None fault accident

timhazel1

I was involved in an accident during the snowy weather, where another driver hit my stationary car. He admitted liability immediately and his insurance dealt with the repairs to my car. My insurance company told me that my no claims wouldnt be affected but I should alert future insurers that I had been in an accident, they simply called this a notification. They have provided a certificate to say that it wasnt my fault and I didnt incur any costs to my insurance company. However when it has cost me an extra £100 to take out a new policy soley down to this accident.
When I discussed it with the new insurance company, they said there was no record of the accident on their system but because Id told them it would cost the extra money and theres nothing they could do to change it....Can anyone advise if there is anything I can do about this ?

Thanks

huckster

Non fault accidents can still affect the premium, because a loading will be applied.

I can't see anything wrong here. £100 extra premium for a non fault accident claim being recorded on a new policy. Sounds about right, with the loading and any general rate increase.

pinksk8

Are you sure its to do with the accident, my insurers put up my premium by £400 with no accidents, as you can imagine I swiftly changed insurers!

MoneySaverLog

pinksk8 wrote: »

Are you sure its to do with the accident, my insurers put up my premium by £400 with no accidents, as you can imagine I swiftly changed insurers!

Try getting a new quote as a brand new customer with your existing insurance company. Loyalty counts for nothing apparently.

As for loading on a "non fault" claim cause some pis! head ran into my car, does not seem fair to me.

Catherine_Johnson_2

huckster wrote: »

.....
I can't see anything wrong here. £100 extra premium for a non fault accident claim being recorded on a new policy. Sounds about right......

Does it, really? You have an accident, not your fault, no cost to your insurer, yet you say that £100 extra premium 'sounds about right'? Why?

The OP was told the accident wouldn't affect their premium. Yet the accident is mentioned to a new insurer and the premium jumps by £100 because of it. Certainly doesn't sound right to me. We're not talking about a 'general rate increase' here, simply a premium being added because of a no fault accident.

pinksk8

MoneySaverLog wrote: »

Try getting a new quote as a brand new customer with your existing insurance company. Loyalty counts for nothing apparently.

As for loading on a "non fault" claim cause some pis! head ran into my car, does not seem fair to me.

Yeah, I tried that at the time of renewal and it was still sky high, changed insurers though and got it really cheap!

Im actually paranoid about this happening to me, heard so many bad stories about peoples insurance going up for non fault accidents!

Quentin

Catherine_Johnson wrote: »

The OP was told the accident wouldn't affect their premium.......

How do you know that? (All incidents irrespective of "blame" can mean premium loadings)

If so, the OP should contact whoever told them this, and complain!

thegirlintheattic

Non-fault accidents can still affect premiums - it's common knowledge. The insurers justify this by saying if you've been in one accident your more at risk to be in another.

OP you still have to disclose.

ihateyes

this was on watchdog, the Association of Insurers claim statistics show that if your in an accident even if its not your fault, your more likely to be in another accident soon after!!

utter bu()ocks.
another way to try and rip us all off. just like their dodgy PI claims companies they pass our details to

MoneySaverLog

thegirlintheattic wrote: »

The insurers justify this by saying if you've been in one accident your more at risk to be in another.

Rubbish, I was not even in my car when the drunk hit it. It was parked up.

Quentin

MoneySaverLog wrote: »

Rubbish, I was not even in my car when the drunk hit it. It was parked up.

Who parked it up, though?