Unsettled no-fault accident claim

jain208

Hi,

Last June I was involved in a no-fault accident when a car hit my car from rear. This claim isn't settled yet although it was established that I was at no fault and I have a letter from my past insurer confirming that, and also my no-claims bonus wasn't affected because of this.

A few days back, I switched my insurer and in my application I mentioned that the accident was not my fault, as that's the truth.

Now, yesterday my insurer comes back to me and says that as the claim is not settled yet, I will have to pay an extra £230 as extra premium and £50 as admin fee. They say that this is because as the claim is not settled, they still see it as a fault claim until it is fully settled.

Is my insurer right in charging me this extra money considering that the accident was not my fault and my previous insurer is fine in giving me this in writing and my no-claims bonus was also not affected? What are my options in this case?

Thanks for all the advise in advance,
Abhi.

dannymccann

Sorry no help but I am in similar situation so just subscribing to this thread

AdrianC

I don't see how your insurer can state that they have been fully reimbursed for the claim, and yet the claim isn't yet settled. Why isn't it settled?

It really doesn't matter much how the collision happened - if your insurer end up out of pocket, that is counted as a claim against your policy, which is what is actually being asked about.

Ectophile

Insurance companies tend to treat all claims as "at fault" until somebody else pays for the damage.

So if the other party's insurers haven't paid up yet, then the claim isn't closed, and you could still be "at fault" even though it wasn't your fault.

You might want to see whether you'd be better off cancelling the new policy and going back to the old insurer. But whatever you do, don't let the new insurer cancel the policy themselves. That's because you'd have to tell every insurer that you've had a policy cancelled, and you could have trouble getting insurance at any sensible price.