Hit in the rear, other side admit liability but I'm the loser??

NurseMoneySaver1122

My car was hit in the rear by another car at a roundabout. I reported it to my insurance. Eventually, the other side admitted liability (earlier this week).

Yesterday, I received my insurance renewal document.....

My insurance premium has gone up £272.42 from last year. My excess has gone up by £50 from last year. And they have listed me as having 3 years no claims, when it would have been 8 years this year.

As this is my 1st ever experience of dealing with any kind of car accident, I must be soooooo naive!! After being hit at the rear and the other driver admitting liability, I am so shocked that my premium, my excess AND my no claims discount are ALL STILL affected. How naive am I?! Is this really right??

Yorkie1

You've already got the full history and have put this post on your existing thread here:
https://forums.moneysavingexpert.com/discussion/4063537

Best to keep everything on that thread or people waste time answering on one thread, only to find that you've got the same or a contradictory discussion on the other thread.

NurseMoneySaver1122

Yorkie1 wrote: »

You've already got the full history and have put this post on your existing thread here:
https://forums.moneysavingexpert.com/discussion/4063537

Best to keep everything on that thread or people waste time answering on one thread, only to find that you've got the same or a contradictory discussion on the other thread.

Thanks. I will remove it from the other thread then, as I posted it on there as a reply.

So any answers on here would be greatly appreciated

InsideInsurance

If liability was only admitted last week your insurers will not yet have recovered their outlay and so it will still be impacting your policy. Once the monies are in the back your insurers will close their file non-fault and reinstate your NCD (assuming you stay with them) and recalculate your premiums etc.

I strongly suspect the increase in excess is purely coincidental. Many insurers have slowly been creeping up the default excesses over the years (though you still have the option of paying more for a lower excess).

NurseMoneySaver1122

InsideInsurance wrote: »

If liability was only admitted last week your insurers will not yet have recovered their outlay and so it will still be impacting your policy. Once the monies are in the back your insurers will close their file non-fault and reinstate your NCD (assuming you stay with them) and recalculate your premiums etc.

I strongly suspect the increase in excess is purely coincidental. Many insurers have slowly been creeping up the default excesses over the years (though you still have the option of paying more for a lower excess).

You are right..after a very long and complicating phone call, my insurers confirmed as they have had liability accepted from the other side, they are happy to reinstate my NCD and have provided a revised premium; still £90 more than last year mind.

To add a little confusion, it was actually my Dad (a named driver on my policy) who was involved in the accident. So now I'm trying to shop around for insurance quotes, but I'm confused where I stand with the accident question.....

Do I state that I had an accident in my section of the quote, or do I put it in the named driver section?
Also, when he no longer is a named driver on my policy and we each get our own fully comp insurance, do we both have to state that we have made a claim for an accident?

Any help would be greatly appreciated

InsideInsurance

To be safe, always check with the insurer in question.

Normally, if you continue to have the offending named driver on your policy you list the claim once and against the ND. If you subsequently drop the ND off then you must report it under your own history.

Buzby

Yes, you need to state that you have an outstanding no-fault claim pending. This may hike the quotation, and it is sometimes best to continue with the same insurer until the matter it completely settled then renew elsewhere without the hassle when the time is due.

NurseMoneySaver1122

Just had another phone call that's left me confused!

I have legal cover and guaranteed courtesy car as part of my policy. My courtesy car is for a NON like-for-like vehicle (e.g Ford KA) and only for 14 days.

My insurance company passed my details to Enterprise, who contacted me and informed me that, due to the nature of the accident (no fault claim), I am intitled to a like-for-like car for the duration it is needed, and that is claimed from the other side.

However, I've since spoken to a different department of Enterprise (their non-fault team) who told me I have to use my guaranteed car hire 1st, then go to them if a car is still needed after the 14 days. He sent me back to my insurance team, who confirmed this to be the case.

However, a friend told me that even if I DID NOT have a guaranteed car hire as part of my policy, I would still have been able to personally hire a like-for-like car and claim back from the other side. So it seems having guaranteed car hire on my policy is a negative thing?

Am I not entitled to get a like-for-like car and claim back through my legal team?

Who should I contact for information; my insurance team or legal team?

Thanks all

Quentin

If you have a "legal team" working for you, then they are the people to ask your questions, as they will have to stand by any answer you are given.

(Unlike any answers you get posted on a forum like this!)

NurseMoneySaver1122

Quentin wrote: »

If you have a "legal team" working for you, then they are the people to ask your questions, as they will have to stand by any answer you are given.

(Unlike any answers you get posted on a forum like this!)

Thanks, I will definately do that, in addition to calling my insurance company.

I was just hoping to get a general consensus on everyone's personal experience/knowledge around courtesy car situation in question.

So if anyone has had any experience/knowledge with a similiar situation, please do share.

Quentin

NurseMoneySaver1122 wrote: »

Thanks, I will definately do that, in addition to calling my insurance company.....

You have already spoken to your insurer who has confirmed what enterprise told you. (That your "friend" has misinformed you about this).

If you want a definitive answer, the one you get from your legal team will be the only one you can rely on, as they will have to stand the consequences if they give you bad advice.

Anecdotal advice is no use to you!

(If you want a like for like car, you do need to be able to justify it, under the "duty to minimise your losses" rule).

One way round your issue would be to cancel your claim, (if you can now), and use a claim handler to deal with it - which will inclide getting you the best car they can get away with charging the third party for!