What cost difference does a non fault claim make?

Nobbie1967

Someone has just driven into my parked car and caused about £500 of damage. They accept responsibility, so I’ll probably claim off their insurance. Just wondering what effect this claim will have on my premium as I have renewals for both my cars coming up in the next month. Obviously it doesn’t affect NCB, but they may well consider the risk is higher now of further damage.

Anyone have any experience of a noticeable jump in premiums from a non fault accident?

williamgriffin

Get some quotes and you'll know for sure. 

AdrianC

My car was hit a few years ago while parked outside my house - somebody reversed out of the drive of the house opposite and stove the side in... (They tried blaming me, even though I was 30 miles away!)

The premium the following year went up by a good chunk - more than a 3pt photo would have done.

But don't forget that insurers ask you for incidents, whether there was a claim or not...

Nobbie1967

AdrianC said:

My car was hit a few years ago while parked outside my house - somebody reversed out of the drive of the house opposite and stove the side in... (They tried blaming me, even though I was 30 miles away!)

The premium the following year went up by a good chunk - more than a 3pt photo would have done.

But don't forget that insurers ask you for incidents, whether there was a claim or not...

Fair play to them, they did leave a note even though they thought they’d only knocked my mirror. I think they are probably quite old judging by the handwriting, landline number and not noticing the other damage. I’m tempted to just let it slide as I’m not that bothered about the damage. Will have a proper look tomorrow in case there is more to it than meets the eye. Still drives fine.

chrisw

Your premiums may rise slightly but this can usually be offset by shopping around on the comparison sites, making it difficult to know exactly what impact the incident has had.

Sandtree

Pricing considers multiple factors in aggregate, for my previous motor insurance client a single non-fault incident/claim for a low risk driver with a family car added nothing to the premiums. A similar claim for a 18 year old with a hot hatch added 5%.

Ultimately the incident has happened so needs to be declared to all your insurances. Whatever impact it will have will be what it is and just shop around as normal. The impact is likely to be modest to nil depending on other factors... if you start having a string of non-fault incidents then the impact is compounded. 

Nobbie1967

Spoke to the other driver, apparently it was a new car and she was trying to work out the controls on the dashboard. She’s putting in a claim, so I may as well claim off her insurance. Done some dummy quotes and it seems to add about 10%. I’ll get a cash settlement off her insurers that should cover a quick bodge by me and the additional insurance premiums for the next five years.

Penguin_

Someone ran into the back of me last year & as a result I had a no fault claim, which (I didn't realise at the time) didn't affect my NCB. Anyway I am in the process of renewing & my premium has gone down by about £70 or so.

BOWFER

Had a couple of no fault accidents over the years and it's never affected our premiums.
They often have the dropdown option of "no fault - all costs recovered"
Even if for some weird reason I had a desire to be loyal to the insurer, if they even hinted at increasing premium I'd bin them.

Nobbie1967

Spoke to my insurer to inform them and they said it could affect the premium, so I’ll find out pretty soon as it’s due renewal in about three weeks. The other insurer weren’t keen on a cash settlement, but when I said I’d just go through my own insurer if that was the case they soon changed their tune.

daveyjp

The insurance market is so competitive if there's a silly increase from your present insurer due to a no fault claim play the market and go to another.

LV did this to me a few years ago.  I was paying about £300.  Had a claim, other party 100% liable and they paid up, despite this my renewal was almost £500.  Moved elsewhere and paid about £300.