Accident in car park.

dacouch

There is nothing stopping you recovering the money you spent on repairs from the other Insurer, this will also have the benefit of changing the accident from a non fault notification to a non fault accident

Nasqueron

Joe_Horner wrote: »

Except that, statistically, that's very dodgy ground. One of three situations apply:

1) The driver habitually drives in a "high risk" area. In this case, if he has a long history of not being victim to this sort of thing then that mitigates the risk of the area - clearly he's "doing something right".

Further, as most drivers spend most of their time driving in and around their home area, most of any heightened geographical risk will already have been included in their quote based on area.

2) The driver was taking an out of character and unusual trip into a high risk area. In that case, the statistics of the area have no meaningful connection to his ongoing risk.

3) It was a one-off genuine accident with no connection at all to the risk of the area. These things do happen. Again, that makes no difference to ongoing risk any more than being hit by a meteorite on the M1 would.

In all cases, if the driver concerned has an otherwise good record, there's no material increase in risk from a single parking scrape like this. Not that the insurers are going to worry about that - if there's something they can pin an increase on, they'll do it.

Don't use an insurer that does this then, setup your own that doesn't increase premiums if people have no fault claims and see if you make money or not. Layman such as you and I don't have the money, numbers, statistics or algorithms to know if anything you wrote is valid or just assumptions

facade

DoaM wrote: »

Isn't that what I was saying?

I agreed with you on that point. Like several others I was addressing the "Why has my insurance gone up when I'm not to blame?" question.