None fault claims hiked up insurance

Sjb251

Hi all. I'm struggling with getting car insurance sorted, I have 4 years no claims, I'm 27, a home owner, dad of 3, I have no accidents where I was at fault and my driving licence is points free. However in the last year I have been very unlucky and have had 2 rear enders and someone reversed into my door (when I wasn't in the car). I've been hunting for quotes, not due for renewal yet but looking at a new car, my premium has gone through the roof, doubled in fact, and my current insurer will no longer cover me, that's even with the car I already have. How is this fair? no accidents have been my fault but I'm the one been punished. Is there anything I can do? :mad: :mad:

Retrogamer

Premiums have been rising for lots of people recently even without accidents.

Have you tried to do quotes on the new car with no accidents declared on comparison sites to see what the difference is?

No accidents in a year will make you appear higher risk i imagine, regardless of who's at fault.

Sjb251

Yeah I've tried quoting without the crashes both on my existing car and the new one, the crashes add about £200 to to cheapest deal and a lot of providers including my current one will no longer cover me. Even over the phone they can't give me a quote

csgohan4

make sure you don't put your own name in, you could flag up yourself for fraud for trying to do quotes with and without the accidents

indesisiv

None fault claims hiked up insurance .....

They do that. Statistically if you have several no fault accidents then you are more likely to have more. It could be due to where you normally leave your car etc. So eventually one of these accidents could be something that your insurance would have to pay out for.

ThinkingOutLoud_2

It does feel unfair. But it is a no claims Bonus, not a no fault bonus. You have had claims.

You won't be penalised with as heavy an increase as if you were at direct fault but... so shopping around is going to be the order of this day.

Be sure to record everything very accurately and as noted take care if you are getting trial quotes with you own details. I.E. don't do that.

Only use your details when genuinely quoting.

devofash

I've had similar thing. Went on holiday, came back and found someone had reversed into my car. Had broken headlight / damaged grill etc. Told my insurer (didn't make a claim). Renewal time came and the quoted me £300 extra, didn't go with same insurer, declared it to new one, price still went up but with £200 extra.

teddysmum

I had a no fault for which I made no claim on my insurer, but at renewal time they wanted to increase the premium by 25%. It was the car on which my husband is first driver and he objected, with the addition reducing to £8, which was acceptable as it was a good quote anyway. It made no difference when the car of which I'm the first named driver , came for renewal.


There have been conversations on here and media reports that say some companies penalise everyone for no fault accidents, regardless of their being no cost to their company, some don't penalise and in between are a range of companies setting limits of one or a set number, before penalty.


The reason given is that insurance is based on probability and statistics show that if you have a number of no faults, then you go to risky places or there is something about the way you drive that invites accidents. Of course, this is not so of everyone (my sister, over the years, has had 5, all for different reasons and locations) but we are all treated the same (in the insurers' favour, of course.)

molerat

I know someone who had several "rear enders" in a short time. Obviously not his fault but after spending a day with him I found his driving style with unexpected sharp braking and weird indicating habits and lane positioning probably led to the shunts so yes, statistically he was very likely to have more !

[Deleted User]

Gather evidence and submit it to the at-fault insurers with an invoice for the difference between quotes with and without the accidents.

Sjb251

Hi everyone thanks for the replies. I have the new car now and I've just added to my current insurance and paid the difference and I'll wait untill May to renew, fingers crossed it doesn't go up more by then.

Molerat, yeah sounds like they needed theirs to go up, but for my first rear ender I was sitting in a red light, some traffic lights further down the street turned green so the guy behind me kindly set off, the second I was been tailgated and stopped in traffic and the guy behind failed to notice, they both took full responsibility.

[DELETED USER], I've asked my solicitor if this is something I can do cheers