Non fault accident causing premium to rise

Jams91

In June this year someone rear ended me. They admitted liability. I called my insurers who then claimed off the other parties insurance to repair my car.

My insurance is up for renewal in January. If I hadn't been in the accident then I'd have 2 years NCB, 6 years license, 23 years of age.
Last year I paid ~£800 for my insurance.

Using a few comparison sites I filled my details in as 2 years NCB and 1 non fault accident.

Cheapest premium is £1100 (or £900 with a black box).

Is there any insurers that don't load the premium for a non fault accident? Or should I omit my accident from the form as I did not claim on my own insurance but on someone elses?

notanewuser

Jams91 wrote: »

In June this year someone rear ended me. They admitted liability. I called my insurers who then claimed off the other parties insurance to repair my car.

My insurance is up for renewal in January. If I hadn't been in the accident then I'd have 2 years NCB, 6 years license, 23 years of age.
Last year I paid ~£800 for my insurance.

Using a few comparison sites I filled my details in as 2 years NCB and 1 non fault accident.

Cheapest premium is £1100 (or £900 with a black box).

Is there any insurers that don't load the premium for a non fault accident? Or should I omit my accident from the form as I did not claim on my own insurance but on someone elses?

You must declare the incident.

Bantex_2

Jams91 wrote: »

In June this year someone rear ended me. They admitted liability. I called my insurers who then claimed off the other parties insurance to repair my car.

My insurance is up for renewal in January. If I hadn't been in the accident then I'd have 2 years NCB, 6 years license, 23 years of age.
Last year I paid ~£800 for my insurance.

Using a few comparison sites I filled my details in as 2 years NCB and 1 non fault accident.

Cheapest premium is £1100 (or £900 with a black box).

Is there any insurers that don't load the premium for a non fault accident? Or should I omit my accident from the form as I did not claim on my own insurance but on someone elses?

May be nothing to do with the accident.
Did you also enter a search without the claim?

Tilt

Have you asked your insurers to explain why your premium is higher as the accident wasn't deemed your fault?

That aside, you must answer the questions in a new proposal accurately otherwise it may come back and bite you in the backside later on.

Rambosmum

You need to declare the incident but your no claims shouldn't be affected- my insurance have stated this very clearly in my very similar accident. Try a comparison site without the declaring the incident and see if it has just gone up anyway. What's your renewal?

Strider590

It's gone up because your now a higher risk.

You have the crash for cash gangs and the idiots that drive about excessively slowly waiting for people to tailgate them (and then causing accidents by brake testing) to blame for this for this.

fivetide

Strider590 wrote: »

It's gone up because your now a higher risk.

You have the crash for cash gangs and the idiots that drive about excessively slowly waiting for people to tailgate them (and then causing accidents by brake testing) to blame for this for this.

Got to disagree with the reason.


Despite what people will say the evidence shows that a non-fault claim will increase premiums as you are simply deemed "a higher risk".


I can remember this happening before the cash for crash explosion and the simple reason is the insurance industry will tack on some extra fees for taking a policy out on a day that ends in a Y if they can get away with it.

iolanthe07

Unfortunately it is a no claim bonus, not a no blame bonus. Insurers will use any excuse to up your premium even when you're entirely innocent.

InsideInsurance

Unless you want to attempt fraud then you must declare the incident.

Without doing a dummy quote without the incident to cross compare you cannot say your premium has gone up because of the incident. Many are reporting premium increases this year and so it may be nothing to do with it.

Insurance is more complex than simply saying X doesnt load premium for a non-fault accident, they may not load the premium for a low risk customer but may do for a high risk person

Robin9

Have your present insurers actually quoted you a renewal figure ?

adouglasmhor

If you can prove as a result of the accident your premiums have been raised you can possibly claim the difference from the other driver or his insurers, do you have legal cover on the current policy?