Rip Off

PeacefulWaters

Rip Off

In MSE tradition, it isn't.

Credit-Crunched

DELETED USER wrote:

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.

But it is still a claim, albeit a claim not at fault.

As mentioned, this could be due to parking in a high traffic area, poor parking etc

or it could be bad luck

Sadly, actuarial data does not calculate for bad luck. Try asking a 55 year old female in surrey what her annuity was compared to a 55 year old male in Glasgow. Numbers are not fair, however, it is all we have to work with.

Even though there it is not a claim against the OP, the insurance company still has to undertake work, calls to third party insurer etc

Tammer

Credit-Crunched wrote: »

But it is still a claim, albeit a claim not at fault.

If you look up at my earlier post in this thread, you'll see that it's generally regarded as not a claim as no claims bonus isn't affected. It is an accident however. Or I may be confused...

Quentin

Tammer wrote: »

If you look up at my earlier post in this thread, you'll see that it's generally regarded as not a claim as no claims bonus isn't affected. It is an accident however. Or I may be confused...

You are (confused).


A claim for damage repairs is a claim irrespective of whether or not your NCB is affected.


If you claim off your own insurer and they cannot get reimbursed their outlay over the claim then it is a fault claim (irrespective of who is to "blame") and your NCD is affected.


If they get fully reimbursed then you get your NCD reinstated and you have a no fault claim.


If you claim off the third party or their insurer then you have not cost your insurer and have a non fault claim

OnanTheBarbarian

You made a "claim" against the party at fault.

So if your new insurer asks you "have you made any claims or had any accidents in the last 5 years, regardless of fault?" You need to answer "yes" as you made a "claim"