New Insurance - Old insurance say I made a claim?

Flight3287462

Easiest and quickest solution would be to renew with your current insurer.

neilmcl

Hunyani_Flight_825 said:

Easiest and quickest solution would be to renew with your current insurer.

This is MSE, the "easiest" solution is not necessarily the best. And besides, as the new insurance period has started the old renewal will no longer apply.

Flight3287462

neilmcl said:

Hunyani_Flight_825 said:

Easiest and quickest solution would be to renew with your current insurer.

This is MSE, the "easiest" solution is not necessarily the best. And besides, as the new insurance period has started the old renewal will no longer apply.

The OP has an unresolved issue and I their original insurer will have sent them a renewal quote even if the renewal date has passed a quick call should be able to sort it out on the basis of the original quote.

Of course the OP can shop around but I suspect they will decide time is of the essence.

bilko89

Hi everyone, thanks for all the replies on this.
I know I've been daft on not reporting the incident on my application, but as I didn't see it as a claim, I didn't feel I should. I now know I have to.

As previously said, there was another vehicle involved but I never heard anything from it, surely if there was a claim made at their end, my insurance should have contacted me? 

I may talk to my original insurers, as mentioned, the renewal date has passed but I will speak to someone instead of just dealing with their online systems. My current insurers have said they are happy to waive any fees and refund my deposit if I cancel within the 14 days cooling off period. After shopping about, I now understand why my renewal seemed so expensive but it was a lot lower than what my current insurers are trying to raise it to. 

I'll let you all know how I get on with my previous insurers.

Sandtree

bilko89 said:

As previously said, there was another vehicle involved but I never heard anything from it, surely if there was a claim made at their end, my insurance should have contacted me?  

Not if they had enough information from you to be able to deal with it; most tell you they won’t update you unless you explicitly ask

ontheroad1970

bilko89 said:

Hi everyone, thanks for all the replies on this.
I know I've been daft on not reporting the incident on my application, but as I didn't see it as a claim, I didn't feel I should. I now know I have to.

As previously said, there was another vehicle involved but I never heard anything from it, surely if there was a claim made at their end, my insurance should have contacted me? 

I may talk to my original insurers, as mentioned, the renewal date has passed but I will speak to someone instead of just dealing with their online systems. My current insurers have said they are happy to waive any fees and refund my deposit if I cancel within the 14 days cooling off period. After shopping about, I now understand why my renewal seemed so expensive but it was a lot lower than what my current insurers are trying to raise it to. 

I'll let you all know how I get on with my previous insurers.

They have a long time to decide to sue for damages.  3 years for injury claims for example.  

missile

OP might be easier/ better / cheaper to simply accept that small increase. 

Jumblebumble

neilmcl said:

bilko89 said:

George_Michael said:

bilko89 said:

 Or even cancel within my cooling off period and go shopping again? 

That's what I would do.
If you decide to do this, make sure that when you get further quotes that you mention the incident. You may have to phone up and speak to someone to make sure that they are aware that there was no claim made and that you only informed your previous insurer for information purposes.

What exactly happened when you had the bump? Was it another vehicle that you hit or was it something such as a bollard or wall? and was there any damage to any other property?

Thanks. I was reversing out a space in a car park and someone behind me did the same and we met in the middle. I heard nothing after so assumed that no claim had been made from her side. I did provide my details and she gave hers to me. There was no damage at all apart from a small scratch on my car. I’ll keep that in mind then when I get a quote, to call up and explain the claim. Thanks! Do you know if I would get my deposit back if I cancelled in my cooling off period? Bearing in mind the insurance only started today. 

No point calling up during a quote to "explain the claim", it'll make no difference, they're not upping your premium because of a past claim they are because of a past accident and whether your claimed or not this now makes you a bigger risk to insure.

I would advise the OP to ignore this absurd advice as you have absolutely no way of knowing if someone at the insurance has made a mistake when entering into the system the status of the bump.
The fact that the OP was told that a claim was made that did not happen makes this scenario likely
It is nonsense to suggest that any premium increase will automatically be the same whether the OP claims or not
You have made this "fact" up.

ontheroad1970

Jumblebumble said:

neilmcl said:

bilko89 said:

George_Michael said:

bilko89 said:

 Or even cancel within my cooling off period and go shopping again? 

That's what I would do.
If you decide to do this, make sure that when you get further quotes that you mention the incident. You may have to phone up and speak to someone to make sure that they are aware that there was no claim made and that you only informed your previous insurer for information purposes.

What exactly happened when you had the bump? Was it another vehicle that you hit or was it something such as a bollard or wall? and was there any damage to any other property?

Thanks. I was reversing out a space in a car park and someone behind me did the same and we met in the middle. I heard nothing after so assumed that no claim had been made from her side. I did provide my details and she gave hers to me. There was no damage at all apart from a small scratch on my car. I’ll keep that in mind then when I get a quote, to call up and explain the claim. Thanks! Do you know if I would get my deposit back if I cancelled in my cooling off period? Bearing in mind the insurance only started today. 

No point calling up during a quote to "explain the claim", it'll make no difference, they're not upping your premium because of a past claim they are because of a past accident and whether your claimed or not this now makes you a bigger risk to insure.

I would advise the OP to ignore this absurd advice as you have absolutely no way of knowing if someone at the insurance has made a mistake when entering into the system the status of the bump.
The fact that the OP was told that a claim was made that did not happen makes this scenario likely
It is nonsense to suggest that any premium increase will automatically be the same whether the OP claims or not
You have made this "fact" up.

What if the insurance company is aware that there is a third party involved and is holding a certain amount in reserve against any possible claim?  This would count against the OP until it is ruled out.  Had it involved no other car, it may or may not have made any difference.

George_Michael

missile said:

OP might be easier/ better / cheaper to simply accept that small increase. 

If the OP is paying off their insurance in 12 monthly instalments, that "small increase" you refer to is £624 per year. (A 95% increase)