Is this fair - increase car insurance premium

BOBS

My DS has just completed first year of driving with black box fitted.
During the heavy snow last week someone left a bin behind car and he reversed into it, this immediate showed on his black box and we got a text.
Spoke to insurance company and they assured us all ok etc and one of those things.
Insurance due for renewal yesterday and when I checked emails they have increased premium by £120 for renewal because of this. Is there any point ringing about it or do I just have to take it on the chin and pay up ?
Thanks

Car_54

That sounds fair - lack of elementary observations.

You don't have to pay up - shop around.

BOBS

Car_54 wrote: »

That sounds fair - lack of elementary observations.

You don't have to pay up - shop around.

thanks, probably no point shopping around - just loosing decent discount because of a years good driving with black box
Also maths poor - actually up £220, so gutted

debtdebt

When did they leave the bin behind his car? Before he got in and turned the engine on?

BOBS

debtdebt wrote: »

When did they leave the bin behind his car? Before he got in and turned the engine on?

yip !! - I know should have checked, but insurance company told us there would be no changes and all ok.

poppasmurf_bewdley

How did the black box know he hit a bin? Has the black box got a camera at the rear of the car? Or did it just record a violent emergency stop?

BOBS

poppasmurf_bewdley wrote: »

How did the black box know he hit a bin? Has the black box got a camera at the rear of the car? Or did it just record a violent emergency stop?

it sensed he had been involved in an accident, not sure if impact or sudden braking. No damage to bin or car, not even a scratch

Quentin

BOBS wrote: »

thanks, probably no point shopping around - just loosing decent discount because of a years good driving with black box
Also maths poor - actually up £220, so gutted

Standard MSE advice is NEVER simply renew!


See MSE article on car insurance (See quick link at top of the page)

poppasmurf_bewdley

BOBS wrote: »

it sensed he had been involved in an accident, not sure if impact or sudden braking. No damage to bin or car, not even a scratch

So the driver told the insurance company he had hit a bin, thereby admitting to an accident?

Pity he didn't just tell them he did an emergency stop as someone stepped out behind him, or he stamped on the brake pedal instead of the clutch. But he'll know better next time.

Marvel1

poppasmurf_bewdley wrote: »

So the driver told the insurance company he had hit a bin, thereby admitting to an accident?

Pity he didn't just tell them he did an emergency stop as someone stepped out behind him, or he stamped on the brake pedal instead of the clutch. But he'll know better next time.

I would first find out if it's impact related or not.

Driver: "Emergency stop as someone stepped out, but didn't hit them
Insurer: "Oh, you hit them as black box shows impactt".

BOBS

Thanks everyone for comments, bit of a learning curve. Gave them a ring and they knocked £20 off but nothing more they can do.