Car insurance soars after non-claim

Aretnap

She doesn't have to declare it as a fault claim - in the insurance world "fault" refers to the insurer making a payment which they don't reclaim from another party, rather than to actual blameworthiness for the accident. Most price comparison sites will let her declare it as "incident - no claim made" (or a similar form of words), which is the option she should use when getting quotes.

Quentin

SilverSaloon wrote: »

....no claim was made which makes it tricky as she has to now declare a fault claim for the next 5 years for a wing mirror she never actually got fixed by them...

All wrong "advice"


As pointed out in #9, there is no "fault claim" to declare. Merely a "loss/incident"


And although the loss does now need disclosing to other insurers, whether to declare it depends on the length of history asked for - which can be for any period - usually between 3 and 5 years. And at least one major insurer would not want to know about it at all as no claim was made over the incident

arcon5

Quentin wrote: »

All wrong "advice"


As pointed out in #9, there is no "fault claim" to declare. Merely a "loss/incident"


And although the loss does now need disclosing to other insurers, whether to declare it depends on the length of history asked for - which can be for any period - usually between 3 and 5 years. And at least one major insurer would not want to know about it at all as no claim was made over the incident

Where is all this "wrong advice" ?

robbies_gal

ive had two dings shall we call them and paid for damage myself not worth involving them even though youre legally supposed to i dont know how they would find out

Electro_Magnet

Thanks all for your advice.

As many of you have said, it seems the renewal amount was really hiked up, simply because it's a renewal. Clearly the customer service reps my mum spoke to on the phone used this incident as a way to legitimise the massive price rise - I think this is very misleading. Anyway, we have shopped around and found quotes which are over £200 less.

Thanks again!