No fault insurance premium increase

Jasonh2015

How many fault/non fault accidents have you had? a single non fault accident is unlikely to increase the premium that much.

NotAtFault

On the point that proving the premium hike is down to this driver's actions alone, it's the insurance companies that can provide this information, but won't. If they refuse to provide this information they can't claim that it's not possible to determine. It obviously is possible as it goes into the calculation of my premium. The court could order that they provide it.

AdrianC

NotAtFault said:

The court could order that they provide it.

They won't.

It's a small claim for a couple of hundred quid... They will either agree or disagree with the claim, end of.

[Deleted User]

Generic statements like "insurance renewal is never cheaper" is silly

Mine last 2 years has been cheaper than the previous year and Meerkats et al couldn't beat it 

No claims, one notification incident (someone scraped a bit of paint)

Jumblebumble

BOWFER said:

Sandtree said:

BOWFER said:

I've never, ever seen an insurance company offer a renewal at less than the previous year under any circumstance, so I'm confident we can ignore that little flight of fancy.

Young driver going from year 1 to year 2 policy will fairly often see a drop given they've the first year NCD kicking in and their driving experience is likely to have at least doubled.

ok, I'll give you that scenario
What I was referring to was 'mature' policies where the driver's record has settled down.
I've certainly never, ever, had a reduced offer from any insurance company come renewal time.
There's always an increase, the amount varies.
The fact I change our policies every year shows this is the case, I don't change for fun and would simply stay with my existing provider if it was worth it.
Of course when I phone to cancel the (sometimes) automatic renewal, they invariably suddenly find wiggle room in the price.
Tough, cancel. 

Still you are incorrect  and so is anyone maintaining that there is no such thing as 19 years NCD

 From Swiftcover  3rd June 2021

No claims discount: 

19 years

Your price information

 Your price this year:

£244.86

Last year's price:

£254.60*

Prices include insurance premium tax.

No credit or debit card fees apply to this year's price. Switch to monthly payments 

*This is a like-for-like comparison, based on the details and cover you have now.

 

Please check your cover to make sure it's right for you and all your details are correct. You have been with us for a number of years. You may be able to get the insurance cover you want at a better price if you shop around. Don't forget, with us there are no admin charges when you make changes online. It's the hassle-free way to keep saving with Swiftcover. 

Nobbie1967

[DELETED USER] said:

Nobbie1967 said:

[DELETED USER] said:

Usual advice applies, add the increased premium to your claim against the third party.

Why would the third party pay for increased premiums? They have paid for the damage they caused, the increased premium is just a result of the higher chance of a claim being revealed. It was not caused by the third party. I’d be interested if there was any case law in this area.

Same reason they would pay for your rental car while yours is being repaired, they are liable for all your losses resulting from the accident their customer caused.

That's how insurance works.

As NotAtFault has found out, that’s not how insurance works. If you know of any case law where increased insurance costs have been claimed I would be interested to read the reasoning.

jimbo6977

Jumblebumble said:

BOWFER said:

Sandtree said:

BOWFER said:

I've never, ever seen an insurance company offer a renewal at less than the previous year under any circumstance, so I'm confident we can ignore that little flight of fancy.

Young driver going from year 1 to year 2 policy will fairly often see a drop given they've the first year NCD kicking in and their driving experience is likely to have at least doubled.

ok, I'll give you that scenario
What I was referring to was 'mature' policies where the driver's record has settled down.
I've certainly never, ever, had a reduced offer from any insurance company come renewal time.
There's always an increase, the amount varies.
The fact I change our policies every year shows this is the case, I don't change for fun and would simply stay with my existing provider if it was worth it.
Of course when I phone to cancel the (sometimes) automatic renewal, they invariably suddenly find wiggle room in the price.
Tough, cancel. 

Still you are incorrect  and so is anyone maintaining that there is no such thing as 19 years NCD

 From Swiftcover  3rd June 2021

No claims discount: 

19 years

Your price information

 Your price this year:

£244.86

Last year's price:

£254.60*

Prices include insurance premium tax.

No credit or debit card fees apply to this year's price. Switch to monthly payments 

*This is a like-for-like comparison, based on the details and cover you have now.

 

Please check your cover to make sure it's right for you and all your details are correct. You have been with us for a number of years. You may be able to get the insurance cover you want at a better price if you shop around. Don't forget, with us there are no admin charges when you make changes online. It's the hassle-free way to keep saving with Swiftcover. 

I would hazard a guess that the actual %age "discount" received at 19yrs will be exactly the same as would be received at somewhere between 6 and 9 years, but the insurer keeps adding a year to the paperwork every year because

1. it gives the customer a warm fuzzy glow,
2. it prevents unnecessary phone calls from people in year 7/8/9/10 when they notice the number hasn't risen on their renewal, and
3. it gives the appearance that the discount will be HUGE, like probably twice as much as for the 9th or 10th year, gotta be, right?

GunJack

jimbo6977 said:

I would hazard a guess that the actual %age "discount" received at 19yrs will be exactly the same as would be received at somewhere between 6 and 9 years, but the insurer keeps adding a year to the paperwork every year because

1. it gives the customer a warm fuzzy glow,
2. it prevents unnecessary phone calls from people in year 7/8/9/10 when they notice the number hasn't risen on their renewal, and
3. it gives the appearance that the discount will be HUGE, like probably twice as much as for the 9th or 10th year, gotta be, right?

1. probably
2. agin, probably
3. not unless you're (to be kind)  a bit in the dark about how insurance and NCD works. What it does do, however, is show that you've got a pretty reasonable driving history and it may* reduce some other risk factors that influence the final price quoted.

What is a PITA though, is if you move from an insurer who states your actual number of claim-free years (like the Swiftcover example above, Admiral do it too) to one that only shows 6/9/whatever their "recognised maximum" is when you ask them for proof of NCD when you move away from them next time around.

I forget which company it was, but a few years ago I had to fight with them to get Mrs. G-J's "correct" number of years NCD certified to pass to her new insurer - as they only recognised 9 yrs as max, their standard was to give proof of 9 yrs. Bit of a difference when she actually had 13 years at the time (12 provided to them as proof of NCD from previous insurer plus the claim-free year with them). When I finally got high enough up the management structure to someone who could see where I was coming from, she got a letter stating the full number of years...


* or it may not...

sheramber

Several years ago mu husband moved his insurance and his NCB was shown as the companies maximum 5 years. But he had 9 years previously when he joined them .

His new company said if he got proof of this from company A they would accept it.

Company A were quite happy to issue a  letter  confirming he had 9 years when he joined them.

Regarding reduced premiums.

Our car was written off and the company paid out.( own fault claim)  New, 11 month old, car of same spec, was insured on continuing basis as purchased with 1 month of pay  out.

We expected a large increase in premium at renewal due to write off and newer car but were delighted to get offered renewal premium of £50  less than the previous year's premium.

tr7phil

When I had a (not my fault) accident in my second car, I had to renew the insurance on my main car while it was still unsettled.  I'd already had my renewal letter and was happy with the price but I rang them up to tell them about the accident to see if the premium was still OK, they ran the details through as a fault claim as it was unsettled and it brought the price down by £1.50!