Someone reversed into me help please.

Swipe

My non fault claim put my insurance up by £15 on a £200 policy

GoldenShadow

Someone rear ended me. My insurance was £450. Six months later, the cheapest I could get was over £600 Wont help that I am 22.

mejjo203

Very wrong that we pay more when we aren't at fault for anything at all. I guess i will have to just deal with an increase... Might have a little moan about it with the company.. I'll haggle every step of the way with a complaint.. haha

Swipe

mejjo203 wrote: »

Very wrong that we pay more when we aren't at fault for anything at all.

Very wrong? It's a scam, that's what it is. The sooner the insurance industry is investigated, the better!

Crabman

I've seen the odd post on here and other forums suggesting you can also claim the cost of increased premiums from the insurer of the at fault party. It seems to make sense as you're suffering a financial loss as a direct result of an insured incident.

Anyone have any experience?

Aretnap

Deleted_User wrote: »

Forget being written off, You have a right to have your car reinstated to the condition it was in before she hit you. Doesn't matter if the repairs cost more than the car is worth, you could go out and buy a new car with the money but it might turn out to be a bag of nails where as your damaged car was super reliable.

This is completely incorrect from start to finish.

Dr._Shoe

I have been with an insurance broker for about 20 years. I can't begin to count the number of times they've dug me out of the sh*t!

I don't believe that I pay any more for my insurance as a result as they get their income from the insurance company in the form of a commission. I have shopped around but I have never been able to find a cheaper quote from anyone, even from the firm I'm actually insured with. The good thing is that the broker can arrange installment plans and will fight your corner on your behalf and give advice when you have situations like this.

Shimrod

Strider590 wrote: »

If you have an accident, regardless of fault, you are statistically more likely to have another one, thus your premium goes up.

And yeah, in my case I had two non-fault claims and my premium went up an extra £300. Which I managed to cut to £200 with some haggling.

On average one non-fault claim will bump your premium by around £50-£100 per year for 5 years.

Not all insurers will put the premium up because of a non-fault claim. http://www.theguardian.com/money/2014/apr/16/no-fault-claims-car-insurance-aa

I'm with LV and got my insurance renewal quote the same day I was rear-ended. The revised quote following the accident was exactly the same.

jc808

mejjo203 wrote: »

She said her parking sensors didn't go off and she couldn't see behind her as her childs car seat was blocking her view.

Wonder if she'll use the same excuse when she reverses into an animal or a child.....