Insurance price increase after claim help

leetaylor.1138

last year my car was vandalised and set on fire. The police didnt catch the person who did it and I had to claim on my insurance. My policy has now increased, are the insurance companys allowed to discriminate against victimes of crime? and how can i get a cheaper policy?

ACG

How are they discriminating?

Your car was in an area where thieves/joyriders operate - that increase the risk to the insurer (hence the claim), which then drives the premium up.

You can go on comparison websites (confused.com, gocompare etc) and see if you can get cover for less.

Bu you have made a claim, when that happens the premium goes up.

Gra76

Greater risk = higher premium.

That's not discrimination, that's assessing the risk and applying a figure to it.

dunstonh

are the insurance companys allowed to discriminate against victimes of crime?

They price on risk and claims history. You had a claim and a vandalised car suggests it is in a higher risk area. No discrimination.

Trinovantes

Admiral have put my insurance up by £65 because I was involved in a NO FAULT accident in 2011. They say this is industry standard. I reckon they are breaking the law. Am I right?

Looksguywalker

Trinovantes wrote: »

Admiral have put my insurance up by £65 because I was involved in a NO FAULT accident in 2011. They say this is industry standard. I reckon they are breaking the law. Am I right?

No, you are wrong.

Trinovantes

Looksguywalker wrote: »

No, you are wrong.

Thanks, but why exactly? How can a non-guilty party be treated as guilty?

jobdone1

Its all about loss and not guilt. They payout from their wallet and are unable to re-cope cash their for its a loss.

Gloomendoom

They aren't treating you as guilty of anything other than being a higher risk than someone who has not claimed at all.

It's annoying but not illegal.

dacouch

jobdone1 wrote: »

Its all about loss and not guilt. They payout from their wallet and are unable to re-cope cash their for its a loss.

It's a non fault accident so presumably the Insurer recovered their outlay.

Trinovantes

I don't see how I am a higher risk. Someone drove straight out of a car park without looking and T-Boned me! They admitted liability, their insurer (Direct Line) paid everything and it didn't cost Admiral a penny. Bad luck does not constitute being a higher risk!