car insurance claim question

smellycat_2

Hello,
My dh was driving my car 6 months ago when another car ploughed into him.
We claimed on my insurance and always said it was other person's fault but insurer said hard to prove so assume 50/50. Insurance renewal came up a month ago, went with different insurer as v. Expensive renewal quote.

Then out of the blue my old insurer rang, said my excess was going to be refunded as the bloke has accepted responsibility. Awesome news, but current insurance is based on losing my no claims and therefore was a lot of money. Does this change my claims history now? I don't really understand how it works, as to where i stand claims wise.

Sorry if I'm being dense!

vaio

you should get a refund of the extra premium you paid because of having a fault claim & reduced NCB.

Run some dummy quotes to get an idea of the amount, don't forget you still need to declare a non fault claim.

If you had x years NCB before the accident then the premium you paid at renewal was probably for x-2 years NCB plus a fault claim and you should have paid a premium based on x+1 years NCB & a non fault claim.

rs65

OP, did the claim reduce your NCB? and was your new cover based on the lower NCB?

If so, get a revised proof of NCB from your old insurers and pass it to your new one.

InsideInsurance

In theory you should, and if you had stayed with your previous insurer this would normally happen automatically.

As you have switched insurer/ broker you need to inform your new providers that the previous fault/ split claim is now non-fault and the NCD has been reinstated (obviously have to wait until you have this in writing from your old insurers). Hopefully they will be willing to adjust their records and issue a rebate but not all insurers are willing to retrospectively amend things like NCD for "new customers"

vaio

In which case I suspect a complaint would soon get them to change their minds and get them to re assess the premium just as they would if a mistake had been made that resulted in too little premium being paid

smellycat_2

Thanks for replies.
My old insurer has written me a letter confirming non fault position but no whiff about NCB.
I think I had 7 years and lost 4.
I'm now with a large insurer. So I guess another phone call to original insurer requesting clarification of the position and another letter in writing if it has changed the position.