Car insurance

sithmaster

Hi all, my insurance policy with my current provider ends tomorrow (12/10) I have selected a new provider to take over from 13th and paid in full several weeks ago.

Yesterday I was involved in an accident where the third party cut me up on a roundabout and I have submitted dashcam footage to support my claim as non fault.

My current insurance provider is handling the claim but do I need to inform the next provider? Or wait until the next renewal?

My ncb is affected but will be reinstated if non fault is given.

Thank you

Car_54

You need to tell your new insurer.

It will almost certainly increase the premium, but they should review it if and when the claim is settled as non-fault.

Note that even a non-fault claim can lead to increased premiums.

Jenni_D

In theory you can add insurance premium increases to your losses that you claim from the other party (assuming it is non-fault against you). How many people actually do this though I don't know.

sithmaster

Thanks, new insurance informed with no increase in policy 😀.
I put non fault as the dash cam clearly shows that and unknown was not an option.

400ixl

sithmaster said:

Thanks, new insurance informed with no increase in policy 😀.
I put non fault as the dash cam clearly shows that and unknown was not an option.

It is an at fault claim until your current insurer can claim back their costs. That is how they will record it for now.

Should your new insurer check the database they will see it as a fault claim. This will be enough to either come back and charge you more, or worst case cancel your policy which you will then have to declare each year.

You need to tell them it is current an at fault accident.

Also you mention that it could affect your NCD, so either you don't have a protected no claims or have reached the threshold of claims which will affect it.

You need a statement of your no claims discount years based on the current status of your policy, not the renewal pre-accident.

Once the claim has been resolved you can get a statement to that fact and sort it with the new supplier. 

DullGreyGuy

400ixl said:

sithmaster said:

Thanks, new insurance informed with no increase in policy 😀.
I put non fault as the dash cam clearly shows that and unknown was not an option.

It is an at fault claim until your current insurer can claim back their costs. That is how they will record it for now.

Should your new insurer check the database they will see it as a fault claim. This will be enough to either come back and charge you more, or worst case cancel your policy which you will then have to declare each year.

You need to tell them it is current an at fault accident.

Agree in principle that an open claim is a fault claim because there is never a guarantee of recovery however some insurers will record an open claim as non-fault if they are confident that there will be no issues (namely circs are fine and a MID checks confirms the same insurance as given by the TP) 

Next steps depend somewhat on if the OP is intending to claim from their insurance or directly from the third party insurer. Either way they need to speak to their insurer and ask the short term impact on the policy inc the NCD, chances of no impact will be higher if claiming directly from the third party insurer.

I wouldnt tell my new insurers it's a fault accident, I'd give them the full details inc the answers to the above and let them decide for themselves how they want to record it. 

sithmaster

Unfortunately it's an online policy so as the policy hasn't started I can't press claim and fill in details of the incident.

I can only change my driver details.
The options were
accident- fault
Accident- non fault
Accident- both parties at fault

sithmaster

Basically third party was in lane 2 of a dual carriage round about (4 lanes) I was in Lane 3 both lanes are to go straight on.
On exit of roundabout third party turned right sharply in my path to go to the next exit leaving me no time to react.
All this is on dash cam

Car_54

sithmaster said:

Basically third party was in lane 2 of a dual carriage round about (4 lanes) I was in Lane 3 both lanes are to go straight on.
On exit of roundabout third party turned right sharply in my path to go to the next exit leaving me no time to react.
All this is on dash cam

That sounds as if you were in fact the one at fault. You changed lane from Lane 2 to Lane 3 into the TP's path.

sithmaster

Car_54 said:

sithmaster said:

Basically third party was in lane 2 of a dual carriage round about (4 lanes) I was in Lane 3 both lanes are to go straight on.
On exit of roundabout third party turned right sharply in my path to go to the next exit leaving me no time to react.
All this is on dash cam

That sounds as if you were in fact the one at fault. You changed lane from Lane 2 to Lane 3 into the TP's path.

I never said I changed lane, the third party crossed my lane by taking a sharp right.
The third party changed from lane 2 to 4 cutting right in front of me.

Jenni_D

Car_54 said:

sithmaster said:

Basically third party was in lane 2 of a dual carriage round about (4 lanes) I was in Lane 3 both lanes are to go straight on.
On exit of roundabout third party turned right sharply in my path to go to the next exit leaving me no time to react.
All this is on dash cam

That sounds as if you were in fact the one at fault. You changed lane from Lane 2 to Lane 3 into the TP's path.

I suspect the OP is counting lanes from the left (out) side of the roundabout. So the outermost lane is 1, next right is 2, then 3, and then the innermost lane (far right) is 4. OP was in lane 3 and planned to take the exit that both lanes 2 and 3 were marked for (and maybe lane 3 also continued round the roundabout), but the TP changed lanes in front of the OP to move from lane 2 across lane 3 and into lane 4. So the TP changed lanes, not the OP. (Is how I perceive it).

A Google maps link to the roundabout in question would help a lot.