Re car insurance doubled after no fault accident!

Redeagle69

Hi I would like to know if I can take action against car insurance company for doubling my premium after a no fault accident. 
I was paying £30.50 for my car monthly then renewal went to £62 for same car how iis this allowed I am being penalised for a accident that was 100% as proven by dashcam video of incident?
Can anyone help please? 

cw8825

is the claim settled or still ongoing?

unfortunately whether fault or non fault statistically you now a higher risk.
your under no obligation to renew, you can always shop around

DullGreyGuy

Redeagle69 said:

Hi I would like to know if I can take action against car insurance company for doubling my premium after a no fault accident. 
I was paying £30.50 for my car monthly then renewal went to £62 for same car how iis this allowed I am being penalised for a accident that was 100% as proven by dashcam video of incident?
Can anyone help please? 

So you're just assuming it's because of the accident? There are plenty seeing a doubling of premiums without having made any claims. 

So... did you claim off your policy or directly from the third party/via an accident management company?

"Fault" in insurance speak has little to do with blame, no video can prove an accident is non-fault. A non-fault claim is one where the insurer manages to recover 100% of the money they paid out. A hit and run is a classic example of a fault claim because whilst you're not to blame for the accident by not knowing who caused the damage your insurer cannot recover their outlay so its a fault claim. As such any open claim is typically treated as a fault claim because you never know until the money is in your insurers bank. A claim is typically open a long time after the repairs to the insured's car are complete. 

Ultimately, if you didnt claim from your own insurance or if you did they have confirmed that they've closed their file non-fault then use confused.com and see what others are offering you renewal at. 

Insurers are entitled to charge those that have been involved in a non-fault accident more than those that never have. Many do but only to a small degree as statistical analysis shows the more accidents you've had regardless of fault the more you are likely to have. You aren't obliged to renew with them though and can go to an insurer who is less concerned about a single non-fault claim.

Mr.Generous

Yes you can take action. The best course of action would be to shop around.

My renewal quote was £385 with Aviva, I used Go Compare and the pesky meercats to get a decent quote just under £300 ..... From Aviva.

Redeagle69

cw8825 said:

is the claim settled or still ongoing?

unfortunately whether fault or non fault statistically you now a higher risk.
your under no obligation to renew, you can always shop around

Yes settled the car claim but it was a 100% no fault accident so why should I be penalised for it! , but accepted and waiting for personal injuries to be paid. Also is it OK for the solicitors from company allowed to take their cost from my payment for injury I thought they claimed it from third parties insurers given that they took 270 from them and over 800 from my payment how is that right?

Redeagle69

DullGreyGuy said:

Redeagle69 said:

Hi I would like to know if I can take action against car insurance company for doubling my premium after a no fault accident. 
I was paying £30.50 for my car monthly then renewal went to £62 for same car how iis this allowed I am being penalised for a accident that was 100% as proven by dashcam video of incident?
Can anyone help please? 

So you're just assuming it's because of the accident? There are plenty seeing a doubling of premiums without having made any claims. 

So... did you claim off your policy or directly from the third party/via an accident management company?

"Fault" in insurance speak has little to do with blame, no video can prove an accident is non-fault. A non-fault claim is one where the insurer manages to recover 100% of the money they paid out. A hit and run is a classic example of a fault claim because whilst you're not to blame for the accident by not knowing who caused the damage your insurer cannot recover their outlay so its a fault claim. As such any open claim is typically treated as a fault claim because you never know until the money is in your insurers bank. A claim is typically open a long time after the repairs to the insured's car are complete. 

Ultimately, if you didnt claim from your own insurance or if you did they have confirmed that they've closed their file non-fault then use confused.com and see what others are offering you renewal at. 

Insurers are entitled to charge those that have been involved in a non-fault accident more than those that never have. Many do but only to a small degree as statistical analysis shows the more accidents you've had regardless of fault the more you are likely to have. You aren't obliged to renew with them though and can go to an insurer who is less concerned about a single non-fault claim.

I produced video dash cam footage showing 100% not my fault and the insurance paid out 100% value of my vehicle and I am awaiting payment for personal injuries.
I have shopped around and my premium is alway excessive and I obviously claimed through my policy as I done nothing wrong. This is absolutely a robbing system 

Sarahspangles

Redeagle69 said:

Hi I would like to know if I can take action against car insurance company for doubling my premium after a no fault accident. 
I was paying £30.50 for my car monthly then renewal went to £62 for same car how iis this allowed I am being penalised for a accident that was 100% as proven by dashcam video of incident?
Can anyone help please? 

Unfortunately you are now perceived as a riskier proposition. You may not be a bad driver but you’re on the road at times and locations where there are bad drivers.

Every data point that is collected on us refines their assessment of our risk.

DullGreyGuy

Redeagle69 said:

DullGreyGuy said:

Redeagle69 said:

Hi I would like to know if I can take action against car insurance company for doubling my premium after a no fault accident. 
I was paying £30.50 for my car monthly then renewal went to £62 for same car how iis this allowed I am being penalised for a accident that was 100% as proven by dashcam video of incident?
Can anyone help please? 

So you're just assuming it's because of the accident? There are plenty seeing a doubling of premiums without having made any claims. 

So... did you claim off your policy or directly from the third party/via an accident management company?

"Fault" in insurance speak has little to do with blame, no video can prove an accident is non-fault. A non-fault claim is one where the insurer manages to recover 100% of the money they paid out. A hit and run is a classic example of a fault claim because whilst you're not to blame for the accident by not knowing who caused the damage your insurer cannot recover their outlay so its a fault claim. As such any open claim is typically treated as a fault claim because you never know until the money is in your insurers bank. A claim is typically open a long time after the repairs to the insured's car are complete. 

Ultimately, if you didnt claim from your own insurance or if you did they have confirmed that they've closed their file non-fault then use confused.com and see what others are offering you renewal at. 

Insurers are entitled to charge those that have been involved in a non-fault accident more than those that never have. Many do but only to a small degree as statistical analysis shows the more accidents you've had regardless of fault the more you are likely to have. You aren't obliged to renew with them though and can go to an insurer who is less concerned about a single non-fault claim.

I produced video dash cam footage showing 100% not my fault and the insurance paid out 100% value of my vehicle and I am awaiting payment for personal injuries.
I have shopped around and my premium is alway excessive and I obviously claimed through my policy as I done nothing wrong. This is absolutely a robbing system 

Blame has nothing to with fault, as already explained. 

If you are still awaiting payment then the claim may be ongoing assuming the injuries claim is being made by solicitors acting under your Legal Expenses insurance. If you look at the schedule of the renewal notice how are they describing the status of the claim?

If your premium is always high then that would suggest that there was already something insurers aren't keen on. Any recent claim is also something insurers dont like irrespective of fault. The issue with insurance is these things compound, even more these days than back when I was involved in Motor pricing. When I had a non-fault claim it added about 5% and premiums were circa £400 before so it was fairly negligible. 

Ultimately if you can substantiate the increase is due to the incident rather than just the general large increases everyone is seeing these days, then speak to the solicitors who are representing you for your injury claim about adding it as an additional head of claim. 

k12479

Redeagle69 said:
I produced video dash cam footage showing 100% not my fault... 

It may have been completely the other person's fault, but in many cases a better skilled, quicker reacting, more observant or more careful driver can avoid being the victim of an incident. These people are lower risk.

Look at e.g. supermarket car parks. Most people park nearer the shop rather than the deserted far corners. The former, even though they are at no fault, are going to be at higher risk of dings and scrapes.

Redeagle69

What like he came up side of me speed on a exit and spun out into me going over a fly over where was I supposed to go? 

Mr.Generous

k12479 said:

Redeagle69 said:
I produced video dash cam footage showing 100% not my fault... 

It may have been completely the other person's fault, but in many cases a better skilled, quicker reacting, more observant or more careful driver can avoid being the victim of an incident. These people are lower risk.

Look at e.g. supermarket car parks. Most people park nearer the shop rather than the deserted far corners. The former, even though they are at no fault, are going to be at higher risk of dings and scrapes.

Yet when I park 3 miles away from the nearest car, with 50 empty spaces about - when I return some cretin has parked up next to me!!