cancelled car insurance claim

andybike

Hi all!

I hit an oil patch on a roundabout(quite known for it in the local area) and the car lost grip, spun and bounced over a filtering verge kerb and hit a barrier.
No one else was involved and I was not injured but my cheap car was too costly to repair so I called my insurance about a claim,having never made a claim before I did not know what the hell to do.

Following day I was told to stop the claim, scrap the car privately and get another car put on my insurance which I did..I did get a hire car from my insurance by this time.

Yesterday I got my new car and rang the insurance to amend my insurance details, however I was told as I reported the incident I was declared as high risk and charged an extra £320 + £30 admin fee to which I was not happy about as it was not my fault and no one else was involved.

With no choice I had to pay up....is there anything I can do to get this unclaimed crash removed from my history and to get the additional charge refunded?

Thanks in advance.
Andy

dacouch

They should not load for an accident part way through your policy, which insurer is it?

Buzby

Not deemed high risk - you had an accident, claimed, and they settled. Because there was nobody else to claim against (blame) your insurer has to pay out.

Whilst you may not be to blame, the charges are pretty routine, and reflect you have had a chargeable incident and loss of No CLAIMS discount. (Note, note, not a No Blame Discount.

Your solution to avoid this (with no 3rd parties involved) is to resolve it yourself without involving your insurer. You wold still pay a fee to transfer insurance to a replacement vehicle but it would not impact on your claims record.

You DID claim, so what you ask is never going to happen.

andybike

Buzby wrote: »

Not deemed high risk - you had an accident, claimed, and they settled. Because there was nobody else to claim against (blame) your insurer has to pay out.

Whilst you may not be to blame, the charges are pretty routine, and reflect you have had a chargeable incident and loss of No CLAIMS discount. (Note, note, not a No Blame Discount.

Your solution to avoid this (with no 3rd parties involved) is to resolve it yourself without involving your insurer. You wold still pay a fee to transfer insurance to a replacement vehicle but it would not impact on your claims record.

You DID claim, so what you ask is never going to happen.

I cancelled the claim via the broker and the underwriter axa and scrapped the car myself, I had my ncb protected fortunately...insurer is dial direct......they did not settle anything

jaybeetoo

You said you got a hire car from your insurance company so they have paid out something for your claim.

vaio

dacouch wrote: »

They should not load for an accident part way through your policy, which insurer is it?

Whilst that was what I thought too I suppose the question is if you change cars mid policy do they generate the revised premium using up to date driver details (inc the accident in the OP's case) or do they use the original driver details from policy inception?

Seems to me if they are taking a new risk on then it would be fair to allow them to assess it fully including using up to date driver details.