Insurance doubling my premium because of open claim on car insurance

Last year I paid just over £240. This year, my quote is over double what it was... Why?

On top of the "cost of living"increases excuse, an idiot drove into me when I was parked on Boxing Day and did not leave his/her details. This means that my claim with the insurance company is "open" as they are apparently trying to find out who done it... I was told this means that the quote from my current insurance company is higher than normal until it is resolved.

And then, if they are not able to make a claim from another company (which then can't as no one left their details) it will be "my fault" even though I am not "at fault" and will be marked as such on my records....

I found that it also means that a lot of websites will not let me proceed with a quote as I am unable to give a final cost of repairs figure... Has anyone experienced this? What could I do to save on premiums for this year? Gutted as I was trying to get a quote on the golden "23 days prior to renewal" date...

Thanks for reading.


  • DullGreyGuy
    DullGreyGuy Posts: 9,202
    First Anniversary First Post Name Dropper
    An open claim is treated as a fault claim in most cases, if you don't have the third party details and your insurers don't have any form of "hit and run" promise or such then when closed it will also be a fault claim.

    Your insurers can provide you with what the current estimate of costs are (the case reserve) and you can use that for the purposes of getting quotes but you'll need to do them on the basis of it being a fault claim. 
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