declaring as an at fault claim

force_ten

my car was damaged by a hit and run driver and i had to claim for the repairs through my own insurance

it is now that time of year when insurance is due for renewal and if i wish to move insurance companies do i declare this hit and run as an at fault claim against me?

even though i was an innocent party it was my insurer that had to foot the bill so i assume it will go down as an at fault claim


on the renewal schedule it says

Cover for this vehicle is based on six years or more no claims discount (NCD) which is protected

so when i do an online quote is the protected no claims discount transferable to another company?

not sure where i stand on this and looking for help

Quentin

Your claim is a "fault" claim (fault doesn't refer to "blame" - it refers to whether or not your own insurer had to pay out)


Your 6 years NCD is transferable - as far as the "protected" status goes that will be insurer dependent.

arcon5

It's my understanding 'fault' isn't strictly who was the blame, but whether your insurer paid out a claim or not. So in this instance it's at fault.

Happy to be corrected though

force_ten

that is what i thought as it was my insurer that covered the cost of the claim it was classed as an at fault claim

i have never had to declare anything like this before so it is all new to me, and i want to make sure everything i put in the online proposal form is correct and does not risk invalidating my insurance farther down the line