Insurance claim on non-fault

tifo

[Deleted User] said:

Any increase can be claimed back from the 3rd party. You may need to contact their insurer directly once you know who it is.

In my decades of driving I've never had a refund back for any additional premium due to an ongoing claim which was then non fault. Same for others I know.

Insurers say they'll return any overpayment when they adjust the premium but I've never seen it.

DullGreyGuy

tifo said:

[Deleted User] said:

Any increase can be claimed back from the 3rd party. You may need to contact their insurer directly once you know who it is.

In my decades of driving I've never had a refund back for any additional premium due to an ongoing claim which was then non fault. Same for others I know.

Insurers say they'll return any overpayment when they adjust the premium but I've never seen it.

Insurers will, typically, if you stay with the same insurer. Many people buy from brokers not insurers, but they incorrectly call them an insurer, and that's a different matter.

Rigolith however isnt talking about the temp increase when declaring an open claim but the increase some insurers apply to people with a closed non-fault claim. This isnt a refund from your insurer but you suing (or settling pre-litigation) the third party insurer for this increase. 

tifo

DullGreyGuy said:

Insurers will, typically, if you stay with the same insurer. Many people buy from brokers not insurers, but they incorrectly call them an insurer, and that's a different matter.

Rigolith however isnt talking about the temp increase when declaring an open claim but the increase some insurers apply to people with a closed non-fault claim. This isnt a refund from your insurer but you suing (or settling pre-litigation) the third party insurer for this increase. 

I meant the insurer not broker.

I don't think it's possible to sue the at fault party for future premium increases you're now going to pay for 5 years because insurers see you, and it applies to everyone else too, as a higher risk because of an accident. I've never seen it happen.

You wouldn't know how much to claim because no one knows their situations for next 5 years.

And insurers won't tell you how much they've added for the additional risk. You can guess by comparing with and without accident but in court guesses don't work.

DullGreyGuy

tifo said:
I don't think it's possible to sue the at fault party for future premium increases you're now going to pay for 5 years because insurers see you, and it applies to everyone else too, as a higher risk because of an accident. I've never seen it happen.

You wouldn't know how much to claim because no one knows their situations for next 5 years.

And insurers won't tell you how much they've added for the additional risk. You can guess by comparing with and without accident but in court guesses don't work.

Yes, particularly the second half however insurers will pay ***k off money rather than face the cost of court which rigolith has taken it to means its a valid head of claim or that a court would support such a claim. In reality you'd need to litigate after year 5 renewal (or year 2 if there is a dispute over injuries)

[Deleted User]

In the past I've simply emailed some evidence of the increase to the third party (comparison website screenshots) and told them I'm adding it to the claim. Once I was asked for proof of the insurance I took out, which I supplied. Then they paid out.

I also told them I'd be doing it next year too, or they could settle now for £X which I estimated to be the 5 year cost. In both cases they settled.

It might be different if you are a younger driver and your insurance goes up by £2000/year because of a non-fault accident, but from memory for me it was around £350.

tifo

[Deleted User] said:

In the past I've simply emailed some evidence of the increase to the third party (comparison website screenshots) and told them I'm adding it to the claim. Once I was asked for proof of the insurance I took out, which I supplied. Then they paid out.

I also told them I'd be doing it next year too, or they could settle now for £X which I estimated to be the 5 year cost. In both cases they settled.

It might be different if you are a younger driver and your insurance goes up by £2000/year because of a non-fault accident, but from memory for me it was around £350.

Well, that's news to me, and i've been driving for 35 years.

Car_54

tifo said:

DullGreyGuy said:

Insurers will, typically, if you stay with the same insurer. Many people buy from brokers not insurers, but they incorrectly call them an insurer, and that's a different matter.

Rigolith however isnt talking about the temp increase when declaring an open claim but the increase some insurers apply to people with a closed non-fault claim. This isnt a refund from your insurer but you suing (or settling pre-litigation) the third party insurer for this increase. 

And insurers won't tell you how much they've added for the additional risk. You can guess by comparing with and without accident but in court guesses don't work.

Also, if this ever went to court I'd expect the insurers to resist it strenuously.

One valid argument might be that the incident did not reflect an increased risk due to a change in the pattern of their customer's behaviour, but merely brought the existing pattern to their attention.

[Deleted User]

tifo said:

[Deleted User] said:

In the past I've simply emailed some evidence of the increase to the third party (comparison website screenshots) and told them I'm adding it to the claim. Once I was asked for proof of the insurance I took out, which I supplied. Then they paid out.

I also told them I'd be doing it next year too, or they could settle now for £X which I estimated to be the 5 year cost. In both cases they settled.

It might be different if you are a younger driver and your insurance goes up by £2000/year because of a non-fault accident, but from memory for me it was around £350.

Well, that's news to me, and i've been driving for 35 years.

And how many times have you claimed for increased premiums?

I'm guessing the answer is zero, where as I have.

Miss165

Update - the police have located the owner (and apparent driver) of the vehicle however cannot pursue it criminally as they may not have been aware that they hit my car. 

I do have an email address for the company who own the vehicle, and the name of the company director. I have passed this onto my insurance company, however it sounds as though the third party are likely to dispute hitting my car. 

DullGreyGuy

Have you checked with the car park operators to see if the location was covered by CCTV?

The police just aren't interested in what they consider minor offences so no surprises there, thankfully in civil law you dont need to show intent nor does something have to be beyond reasonable doubt so much easier to win a case on damages to the vehicle than getting points on their license.