Has anyone here sucessfully sued for increase in premium?

rtcw

It's well-known that some insurer load their premium for non-fault accidents. Am I able to sue the third party insurer for this loading?

jonesMUFCforever

I would not think so.
If every insurance company charged you the same premium you might have a case but they don't.

InsideInsurance

The problem is proof, some insurers load and others dont. Some ask for 3 years claim history and others for 5 years. If you have another, say fault claim, then its impact will change compared to it being a single non-fault claim. How can you say for certain the impact over the next 5 years? Who are you going to be insured with in 2020?

If your policy has already renewed and you did quotes with and without a non-fault claim and can evidence an increase then that you can claim for. You can possibly argue a token amount for future years based on that but you're then on much thinner ice

OnanTheBarbarian

I have had a couple of insurers settle these claims, but not taken any to litigation yet.

rtcw

I have no problems of proving that. My insurer (still cheapest before and after the loading) has directly told me that the increase in premium is directly linked to this incident I had few months ago.

It also helps that I didn't have any other accidents.

OnanTheBarbarian

rtcw wrote: »

I have no problems of proving that. My insurer (still cheapest before and after the loading) has directly told me that the increase in premium is directly linked to this incident I had few months ago.

It also helps that I didn't have any other accidents.

Will they put that in writing?

Can you evidence comparable price comparison site quotes which show increased premiums with the claim declared compared to the claim not being declared?

You need tangible proof, not hearsay evidence.

rtcw

Yes, it's in writing.