Uninsured loss?

Thebiguglyone

HI,
I was rear-ended at a roundabout in October, the third party was charged with undue attention and was fully liable for the claim. However, my insurance has now gone up £70/year as I am now considered likely to have an at-fault claim in the future. This itself beggars belief, thieving insurance company scam! Is there any way I can claim this back as an uninsured loss against the person who hit me? It doesn't seem at all fair that I should lose out due to somebody else's incompetence.
Thanks in advance.

Zorillo

No there isn't. Shop around.

Linton

Car insurance rates are based on statistics. The statistics show that someone who has made a claim is more likely to make another even if it was no-fault - perhaps they live in an aea with more than its share of incompetent drivers.. "Fairness" is irrelevent.

Thebiguglyone

The fact I've driven for 27 years without a claim is worthless, winds me up!

Quentin

Thebiguglyone wrote: »

The fact I've driven for 27 years without a claim is worthless, winds me up!

You have at least one claim!

The one you mentioned in the OP!

Thebiguglyone

Why do people comment without something constructive to add- Quentin.

Obviously I've made this claim against this person.
I haven't had a claim against me!

Quentin

The point is that a claim on your record (usually!) affects the premium irrespective of where the claim was made!

Were blameless claims considered irrelevant insurers would not want us to disclose them when applying for quotes!

As already advised, shop around

Aretnap

Thebiguglyone wrote: »

The fact I've driven for 27 years without a claim is worthless, winds me up!

Of course it is. Why would an insurance company give a stuff about what your driving was like 27 years ago? I'm a very different person to the one I was in 1992 - I'm sure that you are too.

Also if insurers were going to give you "credit" for 27 years of driving history, the inevitable flip-side would be that someone who'd had an accident as a teenager while John Major was Prime Minister would still have to declare it, and pay extra as a result of it, today. Presumably they'd also think that was an outrageous scam. So there are good reasons why insurers are only interested in your last 5 years or so of claims history.

As above shop around. Some insurers increase premiums for non-fault accidents, some don't. Different companies have different attitudes to risk, so the cheapest for someone with no accidents won't necessarily be the cheapest for someone with a claim or two.

societys_child

my insurance has now gone up £70/year

My renewal quote went up £70 and I've not had an accident (or done anything to cause the increase). I got some quotes and changed insurer.

Mishomeister

I am actually fully with OP on this one.


It would be interesting to see to have this king of thing tested in court.


The house insurance quotes could be done online to produce the outcomes with and without the accident to see how many years it takes for the accident to be ignore in costing.


Lets assume over the next 5 years OP is to pay extra £70 pa for the car insurance, so £350in total.


I can seriously see no reason why OP would not be able to take the person who was at the fault in the accident to small claims court for the above amount?


If no one has ever done it doesn't means it can not be done.


This is an evidencable financial loss/damage suffered by the OP and I can not see any reason why he/she can not sue to have it compensated?

MEM62

Thebiguglyone wrote: »

The fact I've driven for 27 years without a claim is worthless, winds me up!

Worthless is one word for it. Irrelevant is probably more accurate. You have been lucky thus far.

I have just renewed my motorcycle policy. I have owned and ridden motorcycles consistently since the age of 16 - some 41 years and I have never claimed on a motorcycle insurance policy. Do I get an extra benefit because of that - of course not!