Rip Off

porkypig1

Hiya
We insured my daughter for a Fiesta last year. In November last year a 3rd party car hit hers in a car park whilst she was away shopping. A note was left by the honest 3rd party. We did not make a claim, instead the 3rd party insurance collected, repaired and delivered it back. In June the exact same thing happened whilst my wife had parked it, so we let the 3rd party do exactly the same, again we did not claim. I am now doing renewal quotes and have been told by the cheapest that they must put down 1 not at fault accident each!! My wife's isn't a problem but my daughters insurance quote has now gone up £260 because she is only 22. Does anybody know the legalities of this, as it is obviously very unfair. In my honest opinion we have NOT made any claims so why should we say we have and then be penalised so badly???:mad:
Thanks

Quentin

porkypig1 wrote: »

In my honest opinion we have NOT made any claims....

You have made claims!


Both were settled, and both need declaring (as non fault) a part of both drivers histories. (Failure to do so will be found out with consequences!)

dunstonh

and have been told by the cheapest that they must put down 1 not at fault accident each!

Which is correct. Its a declaration of incident. Not of claim via the insurer. (in effect you claimed directly from the person that paid).

Does anybody know the legalities of this, as it is obviously very unfair.

Is it unfair? Did the incidents happen? yes. It could be bad luck or it could be bad parking. The declaration is black and white. The pooling of the risk is will see bad parkers and unlucky people put in the same pot as there is no way to tell the difference.

Anyway, its not unfair. The incidents happened.

Credit-Crunched

I think that you have a case for being mis sold this insurance.

.....

Or maybe not.

Quentin

Credit-Crunched wrote: »

I think that you have a case for being mis sold this insurance...

Tell us more of your thoughts on this

InsideInsurance

So you've been lucky two years running that the person has been honest and left their details. Are you going to be so lucky this year?

They are claims, you claimed from the third party insurer and need to be declared on each policy that the drivers are named on. Presumably you have both on the policy for the fiesta and this will sting. From an outsiders view point it sounds like the car parks you guys are parking in arent great and its only a matter of time until its a hit and run so the premiums will be loaded

roonaldo

It's not unfair, 2 non fault claims in a year so its correct the premium should go up. However it is unlucky.

The legalities of it is that they can charge what premium they want. Why should they charge her and another 22 year old driver who's never made a claim the same premium? She is the higher risk so the premium is higher.

I'm sure you will get a cheaper quote elsewhere anyway.

Credit-Crunched

Quentin wrote: »

Tell us more of your thoughts on this

It will cost you £450 up front and only 65% of any claim that is made for me to part with my wisdom on how this policy was mis sold.

:rotfl::rotfl:

It appears my sarcasm does not come across very well!

Tammer

Hi,
I'm not too clued up on this but i'm sure I've seen people say to claim via the 3rd party's insurer (rather than through your own insurance) if you can. This avoids claiming on your own insurance thus preserving your no claims bonus - but presumably not avoiding the insurer simply rating you as a higher risk.

Is that correct? If so, is the OP sure that their insurance still shows the correct number of years of no claims?

Quentin

Tammer wrote: »

Hi,
I'm not too clued up on this but i'm sure I've seen people say to claim via the 3rd party's insurer (rather than through your own insurance) if you can. This avoids claiming on your own insurance thus preserving your no claims bonus - but presumably not avoiding the insurer simply rating you as a higher risk.

Is that correct? If so, is the OP sure that their insurance still shows the correct number of years of no claims?

You are correct

Though read the OP and you will see that both claims were dealt with by the third party insurer

[Deleted User]

You need to contact the third party's insurance and claim the difference between what you would have paid without the incident and what you are paying. It's the third party's fault that your insurance costs have gone up.