Increased renewal after accident

Kay265

I had a bit of a scrape in my car on 25th Jan, with no one to blame but myself and was thankful I'd got protected no claims and paid the £300 excess.

I'd already received my renewal from Churchill and was happy with it and it duly renewed on 16th Feb and they hadn't written to increase it in the meantime.

However yesterday I received a demand from them for a further £122 - I knew it would likely go up but are they able to demand this AFTER they've had 3 weeks to inform me before it renewed and ask for more when they've already accepted and renewed it?

Not trying to duck responsibility but if they'd written prior to the 16th then I'd have been able to compare quotes but I'm now unable to do so as they've taken my money and then come back for more.

Is this right?

Quentin

Your renewal price was on the assumption no changes would be made prior to renewal


But whenever you are unhappy with your insurer the route is to put this into a formal complaint. The complaints procedure will be set out in the policy docs


Then if you are unhappy with the reply or they ignore you for 8 weeks you can escalate to the fos for their adjudication at no cost to you


Dealing with the FOS is an expensive business for an insurer in terms of time dealing with the paperwork as well as the fee FOS charges insurers


Often an insurer will attempt to kill off a complaint by way of a "goodwill" payment, so you have nothing to lose by going down this route

FutureGirl

The dates are so close together.

Your renewal would have been generated before the accident, and the price would be on the assumption of no accidents / claims. You accepted the renewal based on 0 claims, as per the policy renewal - not the renewal with a claim.

When you then had the accident, they wouldn't necessarily increase the premium unless you confirmed you wanted to claim, and the claim has commenced.