Car insurance non fault claim on Que database

dspda

I Received my car insurance renewal quote and started shopping around for cheaper quotes. I Found diamond were cheaper so gave them a call to go through with the quote.

To cut the story short, I gave all my details etc and as I was about to give my card details they stopped me to tell me I had a claim on the Que database.

In 2010, another person bumped into my car but I did not claim anything. I was told to inform my insurer at the time (which I did). I phoned my previous insurer to find out why I was on this database when I didn't actually claim and they said they have to put this on there as a non fault claim that I didn't claim a penny.

Diamond originally quoted me £80 per month that then shot up to £126 per month because of this "claim". I have 5 years no claims bonus and cannot understand why I should suffer because of something that wasn't my fault AND I literally didn't make a claim!! Am I missing something here?!?!:money::mad::money:

Quentin

You have missed that you must disclose all losses that could lead to a claim (ie not just "claims").

Your 5 years NCB is not affected by having this incident on your history (don't forget to inform any future insurers you approach for quotes. They usually want 3/5 years of history)

vaio

Contact the person who hit you and put a claim in to get them (or their insurer) to pay the £550 increase in premium, make it clear to them the same will be happening for the next 3/5 years

forgotmyname

Claims or INCIDENTS even if no claim has been made...

Its a bit annoying when your the innocent party.

TDPIX

Not to be pedantic, although it's the CUE (Claims and underwriting exchange) database

Anywhoo, without knowing the details, it seems very odd that your insurance would jump up £552 per year for a non-fault claim? Especially since you have 5+ years NCB.

Did you recently get a motoring conviction (e.g. speeding, driving whilst using a mobile phone)?

Over £1,500 per year seems a lot with 5+ years NCB - is this a multi car policy with additional drivers?

Perhaps consider going with Direct Line and other insurers who aren't on price comparison websites. DL are fairly competitive if you don't have any fault claims.

malchish

No claims discount is a con. When X is not known, any dscount off that X does not make sense - because the insurer can change the X while this would be unknown to you.
A 100% premium is an elusive sum, they never tell you the figure, how can we check if their promised "60%" NCD is truly 60%, or it is 60% off some fantastical , inflated figure which would be never viable?
Therefore, they are free to use ANY excuse for putting up the premium. A no-fault, no-claim incidents... etc.

Garages sometimes tell people - if you do not claim, never tell those crooks that you have a repair, you may be repairing after no incident, for cosmetic purposes. If you feel you need to tell - claim for every damage, at least the insurer pays something, not just rips you off for nothing.

forgotmyname

I think you need to ignore malchish, Seems to give lots of dodgy advice.

Claim for every damage? Translates to make yourself uninsurable unless you win a triple rollover.

Looksguywalker

malchish wrote: »

No claims discount is a con. When X is not known, any dscount off that X does not make sense - because the insurer can change the X while this would be unknown to you.
A 100% premium is an elusive sum, they never tell you the figure, how can we check if their promised "60%" NCD is truly 60%, or it is 60% off some fantastical , inflated figure which would be never viable?
Therefore, they are free to use ANY excuse for putting up the premium. A no-fault, no-claim incidents... etc.

Garages sometimes tell people - if you do not claim, never tell those crooks that you have a repair, you may be repairing after no incident, for cosmetic purposes. If you feel you need to tell - claim for every damage, at least the insurer pays something, not just rips you off for nothing.

I see you've moved yourself from trolling in the consumer rights forum and are now doing so in the insurance forum. Stop it please.

rs65

malchish wrote: »

A 100% premium is an elusive sum, they never tell you the figure, how can we check if their promised "60%" NCD is truly 60%, or it is 60% off some fantastical , inflated figure which would be never viable?

Do dummy quotes to check it out.

Who cares anyway? I only care about the amount I have to pay.

ps Not many promise percentages these days.

SuperHan

I read somewhere (and I really can't remember where, so don't take this with too much authority) that an insurer isn't allowed to increase premiums for a non-fault accident. If you ask what the reason for the increase is they have to give you a reason not related to the accident. But this could be twaddle, I can't remember if I read it on a forum or an authoritative site...

Should they increase the premium, you are able to claim the increase back from the other party retrospectively and for as long as necessary.

raskazz

SuperHan wrote: »

But this could be twaddle

I'm afraid it is twaddle.