My insurance has gone up 60% because of a pending no fault claim

chris105

I made a no fault claim (third party reversed into my parked car)  however is not yet resolved, the third party's insurer has disputed this and now the courts will decide in the next 9 months. Mean while my esure renewal quote has gone from £400 to £650. 

Is this because of the pending no fault claim ?
Should I look else where ? but I doubt I'll get insurance elsewhere easily while the case is pending.
Will my insurance amount go down once this case is settled ?


Thanks
Chris

Jenni_D

What have Esure said when you asked them? Will they agree to refund the additional premium once the case is closed in your favour?

Aretnap

Any number of factors could be contributing to the renewal price, but an unresolved claim certainly won't help.

An unresolved claim won't stop you getting quotes from elsewhere. Most insurers will treat it the same as a fault claim until it is resolved in your favour. 

When the claim is eventually resolved  your insurer should restore your NCB and refund any difference in premium you've paid as a result. If you stay with the same insurer this should be fairly automatic. If you switch you should ask the new insurer to confirm that they'll do this - and you may have to do a bit of legwork yourself when the claim is resolved as the old insurer won't automatically tell the new one the outcome. 

Sandtree

You'll get insurance elsewhere easily however it'll have to be declared as an unresolved (and so fault) claim with the impact on the NCD (assuming no protection etc). 

You would then need to speak to them BEFORE buying and explain that you anticipate it will become a non-fault and would they be willing to backdate premium changes once the claim is resolved... eSure should do this automatically if you stay with them another insurer may or may not and naturally it'd be up to you to inform them.