Help with car insurance increase/non declared “accident”

dudleythegoat

Hello
any advice helpful. Changed car insurer after my policy was up for the year. Used money supermarket, found RAC was the cheapest at £30 per month. All good

pay deposit, then a day later get an email saying I didn’t declare an accident and now it’s going up to £55 per month which we will struggle to afford (and is more then the last two years)

it says I don’t declare an accident and they have found it.
what this was , was a minor bump in a carpark which resulted in a scratch on a ladies car, she said she would claim, so I did the right thing and called my insurer at the time. They said if she calls to claim they will contact me and that she probably won’t. She never claimed , I never heard again. And it was forgotten about.

can they increase my payments because of this? Is it normal for it to sit on my file as an accident if she never claimed and neither did I? 

I have been driving 9 years and still have my 9 years no claims proof from previous insurer who didn’t seem to mention this “accident” or “find it” in the last 12 months ( it’s happened nearly 2 years ago)
wish I never called it in.

anything I can do??

Flight3287462

Cancel your policy and tell the next company about the bump and that it was for information only and be more careful next time.

NSG666

Unfortunately you are in the wrong. For what it's worth it might be worth trying to speak with RAC insurance who may or may not be sympathetic to the reason for mistaking 'no accidents' for 'no claims' - it can't make the situation any worse and you can find out what your cancellation costs are.

AdrianC

dudleythegoat said:

Hello
any advice helpful. Changed car insurer after my policy was up for the year. Used money supermarket, found RAC was the cheapest at £30 per month. All good

pay deposit, then a day later get an email saying I didn’t declare an accident and now it’s going up to £55 per month which we will struggle to afford (and is more then the last two years)

it says I don’t declare an accident and they have found it.
what this was , was a minor bump in a carpark which resulted in a scratch on a ladies car, she said she would claim, so I did the right thing and called my insurer at the time. They said if she calls to claim they will contact me and that she probably won’t. She never claimed , I never heard again. And it was forgotten about.

can they increase my payments because of this? Is it normal for it to sit on my file as an accident if she never claimed and neither did I? 

I have been driving 9 years and still have my 9 years no claims proof from previous insurer who didn’t seem to mention this “accident” or “find it” in the last 12 months ( it’s happened nearly 2 years ago)
wish I never called it in.

anything I can do??

This is the question MoneySupermarket asked you...



What did you answer?

Did you say "No"?
Because that would have been a fib, wouldn't it?

All that's happened is that they've caught you out in that fib, because the incident was recorded on the industry databases.

dudleythegoat

AdrianC said:

dudleythegoat said:

Hello
any advice helpful. Changed car insurer after my policy was up for the year. Used money supermarket, found RAC was the cheapest at £30 per month. All good

pay deposit, then a day later get an email saying I didn’t declare an accident and now it’s going up to £55 per month which we will struggle to afford (and is more then the last two years)

it says I don’t declare an accident and they have found it.
what this was , was a minor bump in a carpark which resulted in a scratch on a ladies car, she said she would claim, so I did the right thing and called my insurer at the time. They said if she calls to claim they will contact me and that she probably won’t. She never claimed , I never heard again. And it was forgotten about.

can they increase my payments because of this? Is it normal for it to sit on my file as an accident if she never claimed and neither did I? 

I have been driving 9 years and still have my 9 years no claims proof from previous insurer who didn’t seem to mention this “accident” or “find it” in the last 12 months ( it’s happened nearly 2 years ago)
wish I never called it in.

anything I can do??

This is the question MoneySupermarket asked you...



What did you answer?

Did you say "No"?
Because that would have been a fib, wouldn't it?

All that's happened is that they've caught you out in that fib, because the incident was recorded on the industry databases.

Like I said, it was forgotten about when I applied as I have always ticked no and it has never been mentioned again and was so minor it didn’t even enter my head. 

My question was if it’s normal for it to “mark your file” regardless of a claim being made. Which obviously it is judging by the answers above. Just confused why I had a whole year of insurance cheap then suddenly this year it wants to go up and this has been brought to attention again when it never affected my last policy 

NSG666

dudleythegoat said:

AdrianC said:

dudleythegoat said:

Hello
any advice helpful. Changed car insurer after my policy was up for the year. Used money supermarket, found RAC was the cheapest at £30 per month. All good

pay deposit, then a day later get an email saying I didn’t declare an accident and now it’s going up to £55 per month which we will struggle to afford (and is more then the last two years)

it says I don’t declare an accident and they have found it.
what this was , was a minor bump in a carpark which resulted in a scratch on a ladies car, she said she would claim, so I did the right thing and called my insurer at the time. They said if she calls to claim they will contact me and that she probably won’t. She never claimed , I never heard again. And it was forgotten about.

can they increase my payments because of this? Is it normal for it to sit on my file as an accident if she never claimed and neither did I? 

I have been driving 9 years and still have my 9 years no claims proof from previous insurer who didn’t seem to mention this “accident” or “find it” in the last 12 months ( it’s happened nearly 2 years ago)
wish I never called it in.

anything I can do??

This is the question MoneySupermarket asked you...



What did you answer?

Did you say "No"?
Because that would have been a fib, wouldn't it?

All that's happened is that they've caught you out in that fib, because the incident was recorded on the industry databases.

Like I said, it was forgotten about when I applied as I have always ticked no and it has never been mentioned again and was so minor it didn’t even enter my head. 

My question was if it’s normal for it to “mark your file” regardless of a claim being made. Which obviously it is judging by the answers above. Just confused why I had a whole year of insurance cheap then suddenly this year it wants to go up and this has been brought to attention again when it never affected my last policy 

If all this happened with your previous insurer then they would already have know about the 'accident' and also that there was no resultant claim. With many insurers once they knew the details, i.e. minor damage and no claim, it would not impact on your premium. And yes insurers do mark your file with info - whether / how they use it may vary.

That said it's irrelevant what your previous insurer did or didn't take into account so even if you changed insurers previously it has no bearing on your current situation.

AdrianC

dudleythegoat said:

AdrianC said:

dudleythegoat said:

Hello
any advice helpful. Changed car insurer after my policy was up for the year. Used money supermarket, found RAC was the cheapest at £30 per month. All good

pay deposit, then a day later get an email saying I didn’t declare an accident and now it’s going up to £55 per month which we will struggle to afford (and is more then the last two years)

it says I don’t declare an accident and they have found it.
what this was , was a minor bump in a carpark which resulted in a scratch on a ladies car, she said she would claim, so I did the right thing and called my insurer at the time. They said if she calls to claim they will contact me and that she probably won’t. She never claimed , I never heard again. And it was forgotten about.

can they increase my payments because of this? Is it normal for it to sit on my file as an accident if she never claimed and neither did I? 

I have been driving 9 years and still have my 9 years no claims proof from previous insurer who didn’t seem to mention this “accident” or “find it” in the last 12 months ( it’s happened nearly 2 years ago)
wish I never called it in.

anything I can do??

This is the question MoneySupermarket asked you...



What did you answer?

Did you say "No"?
Because that would have been a fib, wouldn't it?

All that's happened is that they've caught you out in that fib, because the incident was recorded on the industry databases.

Like I said, it was forgotten about when I applied as I have always ticked no and it has never been mentioned again and was so minor it didn’t even enter my head.

There y'go.

My question was if it’s normal for it to “mark your file” regardless of a claim being made.

Yes, it absolutely is.

Now your premium is being priced appropriate to the correct risk they perceive you offer, which is why it's gone up.

Just confused why I had a whole year of insurance cheap then suddenly this year it wants to go up and this has been brought to attention again when it never affected my last policy

You "forgot", then, too? Despite it being just a few months earlier?

 Your last insurer were clearly a bit slapdash, and didn't bother doing the basic checks. Naughty insurer, lucky you.

Arklight

You're blimming fortunate that A) they chose to check now, not at the point where you might need to claim and not be able to to and B ) that they didn't just cancel your policy outright for giving false information.

dudleythegoat

Sorted now. Cancelled and declared it and tried again with other insurers and Churchill seem happy to unsure at £30 with the info. Thanks for your help. 

Il remember not to call til someone claims next time if anything minor happens, and to declare this 3mph scratch in future lol

GrumpyDil

Your choice but technically your insurance agreement will state that yu should inform them if any incident, irrespective of whether or not you want to make a claim. 

Flight3287462

GrumpyDil said:

Your choice but technically your insurance agreement will state that yu should inform them if any incident, irrespective of whether or not you want to make a claim. 

Do you?

When you kerbed an alloy?  When you hit your gatepost?  When you reversed in to a bollard?

Where do you draw the line?