Car Insurance 25% increase for CUE entry

hiltonian09

Hi

I am after some advice I recently got a quote via Admiral for £550 per year ( Car Insurance 8 years no claims ) which i was happy with we then proceeded only for it to increase by £200 because there was an incident on the CUE database.
Spoke to the liability team who deal with CUE queries who informed me that there was a "Incident" that was reported back in 2016, however no claim was ever made and I was not at fault.
The actual incident was in a car park where a car bumped into my stationary car, at the time it was dark and i wasn't sure of the damage so i reported it in case there were issues down the line. In the end it was only a small dint and nobody claimed / paid for repairs we just carried on.

My question is why would i get a price increase of around 25% due to a none claimed incident that wasn't my fault.

I have a feeling i was overcharged last year also, what are my options here as clearly this cannot be right. Even if my risk factor goes up because of the incident it doesn't warrant an increase in price by 200 quid.

Warwick_Hunt

Try another company.

forgotmyname

You got an increase because they deem you a higher risk.

Having one incident now, but statistics say your likely to have another.

hiltonian09

I agree but should the price increase by over 25% . Surely the risk hasn't increased by 25% i would expect the increase to be inline with the risk.

The fact that i was not in the car at the time should also factor into this. It has nothing to do with my driving. I am more after what can i do to question this / amend the CUE database as it must not have all the facts on their otherwise the increase would not be that high.

missile

You may be penalised for not declaring that you had an incident at renewal?

Quentin

hiltonian09 wrote: »

.... I am more after what can i do to question this / amend the CUE database as it must not have all the facts on their otherwise the increase would not be that high.

Go to the CUE website and you will find the way to find out what is recorded about you, then take it from what you find if you want to challenge it

AdrianC

You were asked if you'd been involved in any collision, whether a claim was made or not. You said no. But that wasn't true - and there's a record of it.

Try other insurers, and this time be honest...

Admiral are the Ryanair of insurers, and will take every possible opportunity to add on costs and charges.

Quentin wrote: »

Go to the CUE website and you will find the way to find out what is recorded about you, then take it from what you find if you want to challenge it

The OP knows what's there - because they were the one who reported it when it happened...

Quentin

AdrianC wrote: »

The OP knows what's there - because they were the one who reported it when it happened...

According the OP's post #4 the OP wants to know why all the facts originally given haven't been recorded correctly:

Originally Posted by hiltonian09 I am more after what can i do to question this / amend the CUE database as it must not have all the facts on their otherwise the increase would not be that high

AdrianC

No, they're assuming there's other stuff on there, because the increase is higher than they'd expect.

Part of the high increase may be punitive for the lie on the proposal. Part of it may simply be Admiral saying "Nope, not for us". There is no simple linear correlation.

JP1978

You may now not match Admirals target customer. Instead of refusing you insurance, something you definitely don't want, they increase the premium to encourage you to go somewhere else.

arcon5

Count yourself lucky they did these checks now and not after you took the policy out. Probably would have been even more for failing to disclose material facts.