Accident in car park

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.

Replies

  • ZorilloZorillo Forumite
    773 Posts
    Fourth Anniversary 500 Posts Name Dropper
    It's right. You had an accident.
  • csgohan4csgohan4 Forumite
    10.6K Posts
    10,000 Posts Seventh Anniversary Name Dropper Photogenic
    Forumite
    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.
    "It is prudent when shopping for something important, not to limit yourself to Pound land/Estate Agents"

    G_M/ Bowlhead99 RIP
  • grund1ggrund1g Forumite
    32 Posts
    Eighth Anniversary 10 Posts Combo Breaker
    Forumite
    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.
  • zx81zx81 Forumite
    35K Posts
    Part of the Furniture 10,000 Posts Photogenic Name Dropper
    Forumite
    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.
  • 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.
  • radoslaffradoslaff Forumite
    168 Posts
    Fourth Anniversary 100 Posts
    Forumite
    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.
    The journey of a thousand miles begins with one step.
This discussion has been closed.
Latest MSE News and Guides

Gin, gee-gees & groceries

This week's MSE Forum highlights

Team Blog

2for1 adult tickets to theme parks

Via selected £1-£3 Kellogg's promo packs

MSE Deals