MY car insurance goes up because someone hit me???

thenudeone

ging84 wrote: »

you cannot claim for increases in the cost of your insurance

And why not? Is it not a cost which is foreseeable and directly traceable as being die to the driver at fault?

Aretnap

thenudeone wrote: »

And why not? Is it not a cost which is foreseeable and directly traceable as being die to the driver at fault?

It's not directly traceable to the at fault driver though. The chain of causation is less than clear. It's not really a consequence of the other army's bad driving, it's a consequence of how some (but not all) insurers may (or may not) assess her risk profile in later years. Many insurers choose not to increase premiums at all for no fault claims; my dummy quote from Hastings (to name but one) was identical with and without a no fault accident.

if your boss sacks you for having an accident in your company car can you claim lost earnings from he other driver? Or if you fall out with your dad after an accident in his car and get written out of his will, can you claim for your lost inheritance?

Aretnap

jeannieblue wrote: »

I have been on Go Compare and have spoken to six different insurers so far, who have all given the same excuse. The quotes look good but when you speak to them, and inform them of the claim, then the quote jumps up. Saying that it is due to all the false claims that are being made these days.......

I confess I'm rather confused by this. Why are you ringing people up and getting different quotes from what you got at first? Put your details into GoCompare* including the details of the accident - "accident, date, no fault, hit by third party while stationary, amount of claim" or whatever. Chose the cheapest quote** and click proceed. Get your credit card out and pay. Job done. At least that's what I did for 5 years after my own "no fault" accident. Never had any cause to speak to a real person. So why aren't you just taking the online quote - will it not let you?

*Other price comparison websites are available

**or the cheapest quote which matches your needs, from a insurer which doesn't have completely crap customer service.

Parking_Trouble

Aretnap wrote: »

I confess I'm rather confused by this. Why are you ringing people up and getting different quotes from what you got at first? Put your details into GoCompare* including the details of the accident - "accident, date, no fault, hit by third party while stationary, amount of claim" or whatever. Chose the cheapest quote** and click proceed. Get your credit card out and pay. Job done. At least that's what I did for 5 years after my own "no fault" accident. Never had any cause to speak to a real person. So why aren't you just taking the online quote - will it not let you?

*Other price comparison websites are available

**or the cheapest quote which matches your needs, from a insurer which doesn't have completely crap customer service.

Read each policy terms and conditions cover to cover and compare them. Which? and Defaqto ratings might be useful. Dont choose insurance on price alone.

Norman_Castle

I'm surprised if it's causing you to get horrendous quotes. How much shopping around have you done? YMMV, but from a quick play on GoCompare it looks like a recent £2000 no fault claim with full recovery from the other party would have almost no effect on my cheapest quote (£238 vs £235),

YMMV ????? Please speak English.

Just_Some_Guy

Why are you having to speak to people? Getting an online quote without a claim, then phoning them up to put even a non-fault claim on, will cause your premium to head upwards like a three-year-old's helium balloon

dunstonh

jeannieblue wrote: »

I can vaguely see that ...... but being parked at the time makes it seem even more unreasonable! Why should I be responsible for other bad drivers! His excuse was something like, I couldn't see, not used to the dark tinted windows! I'm feeling really angry!

Insurance is priced on statistics. Most questions you answer put you into a pot of similar people. The pots of people are then looked at as a risk. It could be that 25% of those in that pot will have a claimable event whilst 75% would not. However, the 100% are paying for the 25%.

You suffered an incident. Not your fault but stats show that you are more likely to suffer another incident in the short term. You probably won't suffer another incident but more people who have had a recent claimable event tend to suffer another one in the short term after than those that have not had a claimable event. Some insurers (not all) price that in to their renewal premium.

The increase is typically very small. 5-10% as mentioned in an earlier post. If it is a lot more than that then it suggests you are not answering the questions right.

Aretnap

Norman_Castle wrote: »

YMMV ????? Please speak English.

RTFM

jhe

Norman_Castle wrote: »

YMMV ????? Please speak English.

your mileage may vary.

vaio

Aretnap wrote: »

It's not directly traceable to the at fault driver though. The chain of causation is less than clear. It's not really a consequence of the other army's bad driving, it's a consequence of how some (but not all) insurers may (or may not) assess her risk profile in later years. Many insurers choose not to increase premiums at all for no fault claims; my dummy quote from Hastings (to name but one) was identical with and without a no fault accident..........

I'd use the "but for....would" question. But for the accident would the premium have gone up? Does forseability come into it? If it does there are certainly enough insurers that do load to pass that test

Obviously there is the duty to mitigate. Punters can move to a company that don't load but when I reclaimed my non fault loading I was with Elephant (who do load & by about 30% in my case) and claimed against Direct Line who don't load but whose quote for me was higher than Elephant even with the non fault loading.