No claim, No fault Premium Hike.

teddysmum

TSx wrote: »

Insurance works on generalisations - unfortunately, your 50 years claim free driving is inevitably going to subsidise someone who has had accidents, particularly since the industry doesn't care about driving history that is more than nine years old.

Someone who has a non-fault accident is more likely to have a further incident in the future - nothing to do with it being your fault, it might be that you park in a car park where access is restricted, or people in your area drive like idiots. Insurers analyse these statistics across tens (or hundreds) of thousands of policies, and if they didn't show an increase, you wouldn't find companies doing it.

The UK car insurance market is one of the most competitive and technically advanced in the world - if you can't find a cheaper premium, then it is likely that everyone is assessing your risk in a similar way. They wouldn't just hike their prices without justification as you'd just go elsewhere.

I wasn't in a bad accident area; I was just unlucky that someone was careless, being in a hurry to get home. However, stats seem to put me at risk, so I have to suck it up, as there is no way of disproving the stats , even if they are based on information from other parts of the country and from different social demographics.

rudekid48

teddysmum wrote: »

I wasn't in a bad accident area; I was just unlucky that someone was careless, being in a hurry to get home. However, stats seem to put me at risk, so I have to suck it up, as there is no way of disproving the stats , even if they are based on information from other parts of the country and from different social demographics.

Not necessarily. You could be the only person ever covered by that insurer in your street, of your age, with your occupation and your type of vehicle. You then have a non fault claim. Statistically you are now a worse risk than before as the sample of 1 has been involved in 1 incident etc...