Insurer renewal missing a closed claim + open claim shown as non-fault

Glendog6

I’m renewing with the same insurer and noticed some oddities on my renewal details.

I’ve had two claims:

A rear-end accident in August where my car was written off. The claim is still open, but the renewal summary shows the other party at fault. AFAIK these are treated as at fault until recovered?

A notification-only bump in late November (no repair, no payout), which doesn’t appear at all on the renewal page.

I’m planning to use live chat to ask them to:

Confirm that all claims are correctly recorded on my policy

Confirm that the renewal accurately reflects those claims

Add a note that I queried this before renewing

My question is:

If I do that and they confirm everything is correct, am I protected if they later decide the open claim should have been treated differently (e.g. fault pending) and try to adjust or cancel the policy?

Basically: is it on me to know how an open claim should be classified, or is asking them to confirm the renewal details enough to show good faith?

Any insight from people who’ve dealt with this would be appreciated.

XRS200

An open claim is normally 'fault' until settled but they can class it as non fault if they wish.

Best to get the other one noted on the renewal schedule.

MyRealNameToo

https://forums.moneysavingexpert.com/discussion/6654417/insurer-renewal-missing-a-closed-claim-open-claim-shown-as-non-fault

The rule of thumb is that an open claim is a fault claim because you never know with 100% certainty you are going to get your money back. There are certainly some insurers that take a different approach, in my claims days if it was a classic non-fault claim, we had the name and address of the driver, we had the registration of the car and had insurance details provided by the insured then our FNOL team were allowed to pre-set it to a non-fault claim and waive the excess. If any of the elements were missing the team had to set it as a likely non-fault claim. Both would go to Recoveries to deal with the third party but one counts as non-fault and the other fault.

In my day we couldn't change that, so if the FNOL team set it to non-fault and it then turned out the car was on false plates and the name/address was bogus we just sucked up the loss. I know after I moved on from claims the wording of the letter to the insured was changed to state we're currently assuming its non-fault but will change it to fault if our recovery efforts are unsuccessful.

We had a lot of autonomy back then though, if the FNOL team weren't sure who's fault it was or its a classic dispute situation (roundabouts, narrow lanes) then it would come to my team in Disputed Liability. In theory if we decided it was non-fault or fully at fault we just passed it over to the Recovery or 100% team but we could if we wanted close the claim as non-fault and reopen it before passing to Recoveries so it wouldnt impact their NCD etc.

The notification of a non-claimed item should be on there, its the more worrying of the two that they've messed up.