Accident in car park 26 August 2018 at 11:17PM in Insurance & Life Assurance 6 replies 805 views

grund1g

I think i origionally put this on the wrong thread. Iwas in a car park when someone reversed into me. The other driver admitted responsibility. We exchanged details. The damage was only a couple of scratches, so I was to get my car repaired and he would pay. When I arrived home the other driver phoned me to say he had spoken to his insurance company and it was me who reversed into him, he was going to claim for repairs, whiplash and pains in his back and I should inform my insurance company. Luckily I have a front and rear dashcam. I reviewed the footage and it was quite clear what happened. Once the other driver realised I had this evidence he changed his mind.

To cover myself I told my insurance company what happened. I had the car repaired, paid for it myself and I thought that was the end of the matter.

I have now received a letter from my insurance company saying they have put a none fault (notification only) accident on my file and my insurance premiums had increased by £ 28.76. How can they do that it wasn't my fault and I didn't claim. Surely that can't be right.

Zorillo

It's right. You had an accident.

csgohan4

any accident whether your fault or not and whether you claimed all the costs back from the other insurer, may increase your premiums as you are statistically more likely to have accidents than someone with a clean history.

grund1g

Well that's not fair. How can I stop someone reversing into me? I have never had an accident and have full no claims bonus. If thats the case why do i bother paying extra protecting my no claims bonus. It just sounds like money grabbing to me and I'm surprised no one has challenged this in court.

zx81

grund1g wrote: »

If thats the case why do i bother paying extra protecting my no claims bonus.

Because if you make a claim, you will be glad of the NCD.

You're statistcally more likely to have accidents.

keith1950

The fact is, that in the insurers eyes you are now a higher risk driver, statistically you are now more likely to have another accident. ...that you are the sort of driver that puts themselves in positions where accidents occur.
Your protected no claims protects your no claims bonus....but you are now a higher risk so your premium is loaded to reflect this. If you didn't have protected no claims it would have been a double whammy ....your premium would have gone up because your a higher risk plus you would have had a lower discount off that premium so would be paying even more.

radoslaff

keith1950 wrote: »

If you didn't have protected no claims it would have been a double whammy ....your premium would have gone up because your a higher risk plus you would have had a lower discount off that premium so would be paying even more.

Actually this is not quite right, is it? As long as they filed the accident as a non-fault, the OP's no claim would still be intact.