Car Insurance Renwel advice needed please

Coolstone14

Hi Everyone. October 2013 I was driving to my nans and a car moved over to my lane and hit the front passenger side of my car. Although he admitted liability at the time he soon changed his story once he phoned his insurance. I Had a letter through 2 weeks ago to say they are going to have us both to blame and I have 14 days to protest. There was no witnesses and its my word against him I've decided therefore to let it be as I don't want it dragging on. I did get my car repaired by them and just paid my excess.




I do have protected no claims not sure if that's much good. I had my renewal through today for 427 not to bad but looking online its around 320 which it was last year. Basically I would like to know please if I can change insurance company's to somewhere cheaper. I have not received the final settlement in terms of if it is going to be 50/50 therefore I take it the claim is still open. I had 5 years no claims protected. Can I phone the car insurance to try and get this cheaper or am I able to change with this still pending outcome of split responsibility. My renewal states on the letter on the claims part Claim in October Driver 1 NCB affected or unable to recover losses Yes, Own Costs £5, Third party costs £0. Hope maybe someone can advice me as I don't really understand any of this car insurance problems. Thank you for your time,

Quentin

It looks like the £5 is their way of noting this is a fault claim, and they are awaiting the final cost when the matter is concluded.

You can try to haggle based on the quote you have or change insurer.

You do need to tell any new insurer you have a fault claim still open.

InsideInsurance

Motor insurance coverage is based on the date of loss and so nothing to stop you switching during a claim - though can be more problematic in a disputed case which you go on to win.

Agree with Quentin that the letter sounds to include very bad reserving practice data in it.

Remember if it goes 50/50 you do are at least entitled to get back 50% of your uninsured losses including your excess

hillcats

But if you are adamant you've done nothing wrong, don't let it go...
Why should you pay higher premiums if you made no mistake, fight to get it changed to non fault accident!