We'd like to remind Forumites to please avoid political debate on the Forum. This is to keep it a safe and useful space for MoneySaving discussions. Threads that are - or become - political in nature may be removed in line with the Forum’s rules. Thank you for your understanding.
🔔 Today's the final day to apply to become an MSE Forum Ambassador
car insurance fault (non fault) claim
HI I need some advise please, in august 2018 my house was burgled and my car was stolen, it was recovered the next day but was deemed a total loss to the tune of £7k, an offender has been identified cctv footage from our home and is due in crown court in December this year (overwhelming evidence but the tool has gone not guilty), my issue is that my insurance has doubled as a result as although it is not my fault the insurance company states it as a fault claim as there is no third party insurance to recover losses from, my insurance is set to be affected for the next 5 years, what if anything can I do to get this overturned to a non fault claim?
0
Comments
-
HI I need some advise please, in august 2018 my house was burgled and my car was stolen, it was recovered the next day but was deemed a total loss to the tune of £7k, an offender has been identified cctv footage from our home and is due in crown court in December this year (overwhelming evidence but the tool has gone not guilty), my issue is that my insurance has doubled as a result as although it is not my fault the insurance company states it as a fault claim as there is no third party insurance to recover losses from, my insurance is set to be affected for the next 5 years, what if anything can I do to get this overturned to a non fault claim?
You've "accidentally" tagged onto the back of someone else's post - it's polite to raise your own separately0 -
Moved to a new threadI’m a Forum Ambassador and I support the Forum Team on the eBay, Auctions, Car Boot & Jumble Sales, Boost Your Income, Praise, Vents & Warnings, Overseas Holidays & Travel Planning , UK Holidays, Days Out & Entertainments boards. If you need any help on these boards, do let me know.. Please note that Ambassadors are not moderators. Any posts you spot in breach of the Forum Rules should be reported via the report button, or by emailing forumteam@moneysavingexpert.com.All views are my own and not the official line of MoneySavingExpert.0
-
Can you sue the offender? He is your third party.0
-
"Fault" in an insurance claim is effectively "who paid?". Having your business has cost your insurer £7k, because nobody's paid out for the damage to the car.
So, yep, it's correct.
Even if it was no-fault, then you'd still have to declare it for five years, so your base premium would go up, since you're a higher risk.0 -
HI I need some advise please, in august 2018 my house was burgled and my car was stolen, it was recovered the next day but was deemed a total loss to the tune of £7k, an offender has been identified cctv footage from our home and is due in crown court in December this year (overwhelming evidence but the tool has gone not guilty), my issue is that my insurance has doubled as a result as although it is not my fault the insurance company states it as a fault claim as there is no third party insurance to recover losses from, my insurance is set to be affected for the next 5 years, what if anything can I do to get this overturned to a non fault claim?
Apart from cancelling the claim and giving back the £7000 then no - theft claims are theft claims regardless if the thief was caught and pleaded guilty.0
This discussion has been closed.
Confirm your email address to Create Threads and Reply

Categories
- All Categories
- 348.8K Banking & Borrowing
- 252.3K Reduce Debt & Boost Income
- 452.6K Spending & Discounts
- 241.6K Work, Benefits & Business
- 618.2K Mortgages, Homes & Bills
- 175.9K Life & Family
- 254.7K Travel & Transport
- 1.5M Hobbies & Leisure
- 16.1K Discuss & Feedback
- 15.1K Coronavirus Support Boards