Changing car due to accident

Funkyanimal

I'm about to change car due to a non fault accident of which I was hit from behind writing my car off. I'm expecting my insurance to charge me a administration and increase in policy for this year. Could this be something that I can try to claim back of the at fault drivers insurance as it is a cost incurred due to the accident

molerat

Yes, any losses or expenses can be claimed from the third party but expect a struggle

Quentin

Check with your insurer that any car you consider buying is acceptable to them before you buy.

If they don't want to cover it you will have to cancel your policy and start a new one.

Any increase in premium over your choice of new car won't be payable by the third party

Foxy-Stoat_3

Funkyanimal wrote: »

I'm about to change car due to a non fault accident of which I was hit from behind writing my car off. I'm expecting my insurance to charge me a administration and increase in policy for this year. Could this be something that I can try to claim back of the at fault drivers insurance as it is a cost incurred due to the accident

Your premium won't increase this year due to the fact that you had a non fault accident, it may well next year though but if this is the only incident and no convictions they very much doubt it will make a difference.

After 3 non fault accidents in the space of 12 months my premium when up by £40, after the last one the TP insurer said that this increase in premium wasn't a "head of claim" and they wouldn't pay anything, probably a lie. But for £3.33 a month I didn't take it further.

After the third time I have been hit in the rear I decided to take cash in lieu of repair and not bother with repairing it in the end. Crazy that if inclined, I could of gone for 3 x £1500 whip lash claims from no win no injury no fee solicitors.

You will get charged admin fee for changing your car but very much doubt a TP insurer will pay that for your.

Good luck.

Aretnap

In theory if you buy a new car which is identical to your old one and transfer your old policy across to it there should be no extra premium to pay beyond (possibly) a small admin fee.

On the other hand, if you take the opportunity to buy something newer, more expensive, more powerful or otherwise more costly to insure than your old car was, your insurer may charge you an extra premium to transfer the policy. However the third party's insurer would certainly not be liable for the extra costs you incur as a result of choosing to upgrade your car.