Help with Car Insurance!!

marlot

You've had a very lucky escape. They could have cancelled the insurance - and then you would have had to declare the cancellation for the rest of your life.

Just because a collision wasn't judged your fault, doesn't mean that you couldn't have avoided it.

paddyandstumpy

forgotmyname wrote: »

You had an accident that you failed to declare surprised they didnt mark it down as fraud and tell you where to go.

Whilst I agree with the above approach, the way the company I work for (not Admiral) does it is if the revised risk is still acceptable you give the PH the benefit of the doubt and just charge the revised rate. It sounds like Admiral do the same.

You have to be so careful when adding a fraud marker to a client, you have to prove the non disclosure was deliberate first.

In this case the OP could argue as it was non fault he didn't realise it had to be disclosed. Not the correct approach, but claiming naivety would work in his/her favour.

marlot

JNutts wrote: »

I understand that but I shouldn't be down on the system for making a claim when I didn't? It's ridiculous.

But you did make a claim - just not on your own insurance.

The question is usually along the lines of 'have you had any claims, accidents or convictions in the last n years'. It seems you answered that question incorrectly.

csgohan4

JNutts wrote: »

Hi,

I called them up to just discuss it some more when they asked me if I'd been involved in any accidents within the last 3 years because on their system it shows I've made a claim. I said I was but I wasn't at fault and it's all been sorted out, which it has. They then added that to the quote and it bumped my premium up to £2100...absolutely ridiculous.

The only 'claim' I did make was a personal injury claim which is still ongoing but I didn't think that would show up, never mind bump it up so much!

I never even told my insurer, everything has gone through the TP.

Any advice or is there nothing I can do about this?

Thanks

So you lied to the insurer and complaining about it???? An open claim will always increase your premiums as it's still unresolved and therefore liability still pending. It's only non fault when your insurer can claim back and have all expenses in their bank from the third party.


Non fault claims also add to premiums as well for some insurers. Regardless if fault. That's why you shop around.


Just be lucky they didn't cancel your insurance straight away, that would be even worse as all insurers ask if you had an insurance cancelled

mattk_180

JNutts wrote: »

Ok I'll speak to them tomorrow. I would imagine it's already down as non fault though unfortunately.

Thanks

I doubt it. Not many insurers I know of will deem an open claim as "non fault". 99.9% will put it as fault if/when it is fully settled in your favour.

forgotmyname

paddyandstumpy wrote: »

Whilst I agree with the above approach, the way the company I work for (not Admiral) does it is if the revised risk is still acceptable you give the PH the benefit of the doubt and just charge the revised rate. It sounds like Admiral do the same.

You have to be so careful when adding a fraud marker to a client, you have to prove the non disclosure was deliberate first.

In this case the OP could argue as it was non fault he didn't realise it had to be disclosed. Not the correct approach, but claiming naivety would work in his/her favour.

Didnt realise the claim needed to be declared or the ANY claims, accidents or incidents even where no claim was made part?

Bit hard for the OP to say they didnt have an accident or incident especially as its still ongoing.