Hastings car insuranceIn

Trevor3153

In June last year I was rear ended, with the driver who hit me admitting it was his fault on video. However, when coming to renew my insuramce the Hastings policy initially increased by over 60%.
When I quieried this I was told that I still had a claim outstanding, as it seems the person who hit me hadn't settled through his insurance with Hastings, so it seems I have been penalised through no fault of my own.
 I managed to reduce the Hastings price but it was still more than the previous year. I was told I may receive a 'rebate' if and when the claim is settled, but they were unable to indicate xhow much this could be.
I did use moneysupermarket and compare the market to check prices, but one of the questions asked if I had any existing claims outstanding, to which I had to answer 'yes', so hence the prices I received were not competative.
Is this situation something other people have come accross and if so did they ever receive a rebate on the policy cost?

olgadapolga

Yes. When DH was hit, his insurance company claimed from the TP's insurance. It went on for year or so (it got as far as court then the TP admitted fault). So it affected DH's insurance for one renewal but once the TP had admitted fault, DH's insurance company recalculated his premium and refunded the difference.

sheslookinhot

Normal practice for insurance companies to increase your premium when claims are outstanding.

Sandtree

Non-Fault claim = a claim they get all their money back on.

Some insurers in certain circumstances will give you the benefit of the doubt and assume they will be reimbursed but the default position is that until the money is back in their bank account it is a fault claim. 

If you stay with the same direct insurer then there is a reasonable chance that an automatic correction is applied once the case is resolved. Buy through a broker/intermediary, change insurer etc and its fairly unlikely to happen automatically due to the lack of end to end control and if you have switched seller they may not even manually apply it even if told later that the open (therefore fault) claim has now been resolved as non-fault.

Trevor3153

Thanks for the info. As I have continued with Hastings, hopefully by next June the claim will be settled and I may benefit from aprice reduction.