Non fault accident causing premium to rise

Foxy-Stoat_3

adouglasmhor wrote: »

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?

I tried this on my last non fault accident and got nowhere from the Third Party or their Insurers.

OP, try adding a parent or increasing the excess, this might bring the premium done a little.

Nodding_Donkey

When you say tried, what steps did you take?

Foxy-Stoat_3

Nodding_Donkey wrote: »

When you say tried, what steps did you take?

Sent the Third Party and Insurers quotations with and without the non fault accident showing the increases in premium, was around £40 for the first year, then changed the dates so the accident was 12 months old, £40 increase again, then on the third year it dropped to £20. Changing my age and age of the car as I went.

Just got a letter back saying this wasn't a "head of claim" whatever that meant so I left it at that, as life is a little too short to keep writing letters.

I decided to take a cash in lieu of repair in the end for my car and didn't get it repaired, was just the rear bumper that needed repairing and re-painting, car was already far from perfect so for £500 I have another scratch on it. Not too bad a result.

adouglasmhor

Foxy-Stoat wrote: »

Sent the Third Party and Insurers quotations with and without the non fault accident showing the increases in premium, was around £40 for the first year, then changed the dates so the accident was 12 months old, £40 increase again, then on the third year it dropped to £20. Changing my age and age of the car as I went.

Just got a letter back saying this wasn't a "head of claim" whatever that meant so I left it at that, as life is a little too short to keep writing letters.

I decided to take a cash in lieu of repair in the end for my car and didn't get it repaired, was just the rear bumper that needed repairing and re-painting, car was already far from perfect so for £500 I have another scratch on it. Not too bad a result.

Why do you think I asked if he had legal cover, they are paid to take it from there?

Foxy-Stoat_3

adouglasmhor wrote: »

Why do you think I asked if he had legal cover, they are paid to take it from there?

Because if increased insurance premiums are not something that insurers payout on then they may be wasting their time.

I did a search a while ago and the general response was the increased cost for insurance could not be claimed for, even if the Third Party Insurers are suppose to put you back financially before the accident.

adouglasmhor

Instead of doing a search I am recomending contacting a proffessional you have allready paid for though.

Hoof_Hearted

Someone totalled my car on Monday. The car was parked. I will be mad if they increase my premiums for this. How more "no fault" could it be? Perhaps I should cover it with a quick whiplash claim.....

InsideInsurance

There is a moderate level of success for people claiming premium increases for this year as it is a measurable amount.

The level of success for future years is much lower because its hard to prove definitively what the loss will be and unlike loss of earnings there are no accepted actuarial tables to do future projections.

InsideInsurance

Hoof_Hearted wrote: »

Someone totalled my car on Monday. The car was parked. I will be mad if they increase my premiums for this. How more "no fault" could it be? Perhaps I should cover it with a quick whiplash claim.....

Problem is insurers dont ask how "non-fault" the accident was so you are also lumped in with the idiots that brake at the absolute last second, this time they were rear ended, next time they are as likely to go into the rear end of the car infront.

Obviously dont know the car park in question but there are certainly some carparks which due to design or clientele have a much higher rate of accidents and so again, if you regularly park in one of these types of places it can be just a matter of time before someone hits your car and doesnt have the courtesy to stop - my cars been hit twice now in our local station car park without any notes being left.

Foxy-Stoat_3

Hoof_Hearted wrote: »

Someone totalled my car on Monday. The car was parked. I will be mad if they increase my premiums for this. How more "no fault" could it be? Perhaps I should cover it with a quick whiplash claim.....

Thats the spirit, also don't forget about the laptop and tablet that was on the back seat that are now broken due to the impact.