CUE claim for enquiry increased premiums over £250

Sandtree

Premiums are not just about you but also people like you be that people that live in the same area, drive the same car etc. Donkeys years ago Citroen was an OAPs brand and dirt cheap to insure then the Saxo was promoted with 2 years free insurance and all but the VTS was for 17 year olds plus, just had to have a full license. 

9 months later anyone who owned a Saxo saw a significant increase in premiums because the driver type associated with the vehicle and the claims experience dramatically changed... I bought a Saxo at the time because it plus the free fuel was cheaper than 2 years insurance on my Fiesta that was only about 5 days younger than me. 

You find plenty of similar stories of a number of neighbours having their cars keyed or windows smashed and suddenly everyones premiums go up.

Fett132 said:
I think to say that this is considered "defrauding insurers" when we look at this particularly incident would be quite extreme - as there was no damage to be reported. If you had to tell your insurance company every time a stone hit your windscreen and left no damage our premiums would be massive by the sounds of it.

On this case ir probably isnt extreme, though the language is intentionally provocative, as the incident was sufficiently notable for you to actually speak to your insurers... I'm sure you dont do that each time a stone hits the windscreen but leaves no damage.

In an insurers perfect world all those minor incidents would be declared but there would be little/no impact on premiums because you'd be in the same boat as everyone else. Its only because everyone else claims to have the perfect driving record that having a declared incident makes you stand out and may impact pricing.

It does vary by insurer etc but when I had a fault claim on my Admiral policy which resulted in NCD going down to 3 years etc the total impact was less £250 and much less than a 100% premium increase. 

Fett132

Thanks for your help @Sandtree, there is quite a lot of crime in my area even though my car is in a locked car park but I am still really surprised about that increase. I'm 35 and have been driving since I was 17 and only made one 50/50 claim over 10 years ago, so I can only think its the area if its not this CUE claim.

csgohan4

For future readers. If you do not have any intention of claiming, best not to mention it to your insurer.  otherwise you will have to declare it for 3- 5 years or so. 

Always a god idea to have legal protection in some form as well. You never know when you need it

[Deleted User]

Fett132 said:

Deleted_User said:

You made a notification to the insurer that you drive in areas and in such a manner where your car could get damaged, so they increased your premium. Obviously they aren't going to remove this.

Why not shop around if your premium on renewal is higher? Admiral may be trying to get rid of you hence the higher price as a "please go away" thing

Which part did I misquote? You are saying that I am notifying the insurers that I am driving recklessly in bad areas so obviously they wont remove this from my record... when this is not the case.

My wording was:

that you drive in areas and in such a manner where your car could get damaged

You deliberately changed the wording to be

I dont think driving over temporary roadworks where the workers were at fault counts as driving "in such a manner where your car could get damaged".

I didn't say you drove recklessly, I said you drive in an area where your car could be at risk of damage (in this case, due to poor workmanship on the roads) and in a manner where your your car could get damaged which is correct - your car was involved in an incident. This is why you have a loading of the insurance premium - you might have an actual claim in the future, their algorithms say that someone who had an incident is more likely to have another. Perhaps you went too fast, perhaps in the wrong place, the wrong angle who knows - again their system says you did it once, you can do it again.