Car Insurance

Spudge10

Getting quotes for a new car, I have taken out a policy with an insurer, they emailed me to say according to CUE (claims database) I have a non fault claime that I made in 2021 and therefore my premium has increased by £140. The non fault claim was, someone reversed into my parked car, there were witnesses and their insurer’s claimed full liability and paid for all repairs, so why am I being penalised? When I spoke they said I am more likely to have a fault claim after a non fault claim, how can this be fair?

born_again

Did you tell them of the claim?
If not then they are thinking you are trying to scam them.

400ixl

Sounds like they are correct and you should have declared you had an accident or claim in 2021.

The statistics do show that someone involved in an accident is more likely to be involved in another than someone who hasn't. This can increase the premium and only by being truthful can you compare prices.

You have put yourself in a position where they could cancel your policy due to this which would put you in an even worse position in having to declare that in the future.

An unfortunate life lesson and paying the difference is the lesser of the two outcomes. Make sure you declare the accident / claim in the future for the period the insurer asks.

Spudge10

I didn’t make a claim, the other person did, so how am I guilty of not telling the truth. 

400ixl

The question the insurer will have asked is have you had any accidents or claims in the last X years.

You had both, you were involved in an accident (be it not your fault) and you made a claim (be it against the 3rd parties insurer rather than your own).

Are you claiming that neither of those events occurred?

dunstonh

The non fault claim was, someone reversed into my parked car, there were witnesses and their insurer’s claimed full liability and paid for all repairs, so why am I being penalised? 

a) you suffered an insurable event.
b) you lied on your application (which would have asked you about claims and other incidents - you claimed you had none)

When I spoke they said I am more likely to have a fault claim after a non fault claim, how can this be fair?

That is true.  Statistically, those that suffer an accident are more likely to suffer another one within a relatively short period.   Insurance is priced on stats.  Its not about fairness but statistics.

Just because your car was stationary, doesn't mean you were not at partial fault.  The other party suffered sufficient fault to cover the liability but what if you are the type who parks their car in a place that makes it more susceptible to being hit by another car?   Not saying you are but you are now in a pot of people where it is more likely.

GrandExplorer

I have a question regarding adding a adult child to my policy when they are visiting from another country.  Can I do that and if so, how will that affect my policy?  The application forms ask how long someone has loved in the UK.  Should I/they get a specific insurance for them, or a temporary insurance policy. What are the options.  Thanks

GrandExplorer

Sorry, spelling error. Lived in the UK, not loved!

GrandExplorer

Can't get anyone to answer the phone lines at my insurance co. 

sheramber

Does the child have a UK driving licence?  If not, then it will depend on whether your insurance company accept a non UK licence. Not all companies do.

mgfvvc

It's very dependent on your insurer. Direct Line added my brother in law with no problems. I just had to phone them and  pay a small additional premium. The main issue was making sure we had an accurate driver history.