No fault accident other driver won't give details - please help!!

V_tricky

Hi

AFAIK all companies do do this, BUT it IS only the NCD difference that's reinstated.

Regarding loadings - that's a different and much more difficult area, because where one company for one type of client risk may put a small loading on the policy for either a fault or non-fault claim, another may not. I imagine that what you would need to do in that instance would be to ask the insurer whether they HAVE applied a loading (as I say, not all will, and of course insurance premiums often have general rate rises) and work from there.

Although I've NEVER heard of someone claiming for a policy loading as an uninsured loss (loadings being different to the Additional Premium paid as a result of an NCD change), this MAY be because (as is often found on this very site) that the general public are often not aware that their policy has been loaded.

Another thing that I would point out is that I think it's unlikley that a policy would be loaded for just one claim, more likely if there were several claims (fault or non fault).

lisyloo

Thanks for your help.
I have written to the insurer to ask for a breakdown of the "additional costs" (whether NCD or loading) and asked if they can refund direct, so I'll wait and see what they say.

AndysDad

Go to www.askmid.com and type in the registration number..

borosteve_2

After what V_tricky and Lisyloo wrote about no claims could I just check something please? My partner had 1 year no claims, starting Feb 2007 so by mid Feb this year should have had two years. As this guy has run into her and she has started a claim off his insurance through her insurance does that mean until it is settled she will be able to claim her 2 years (whilst logging down the accident as third party vehicle hit you – recovery o/s) or does she need to put 0 no claims whilst logging the same thing?
If it is the second option then once the claim has been settled then do they then lower the price when you furnish proof that this has been settled and it is not your fault?

I hope this makes sense and I hope it doesn’t make me sound too thick.

lisyloo

As this guy has run into her and she has started a claim off his insurance through her insurance does that mean until it is settled she will be able to claim her 2 years

Normally it would could "against" you until it is settled.
That's because your own insurance pays out until they recover the money to get you on the road quickly (in a lot of cases cars are not driveable without repairs).
It's called a "fault" claims even though that's a bad use of the word because often (as in this case) you are not at fault.

My understanding is that you best best is to stay with your existing insurers.
If they know what's happening and it all looks promising for recovery of the money then they might not count the accident against you.
It you do lose NCD then it's easier to reclaim any loss if it's all with the same company e.g. it's incurred with the company that are also making the claim.

If she goes to a different company she will need to provide NCD as per her renewal notice and declare the accident.

If it is the second option then once the claim has been settled then do they then lower the price when you furnish proof that this has been settled and it is not your fault?

Once the claim is settled as "non fault" then the NCD can be restored and you can claim back any losses from the 3rd party.
As I said it's easier to do this if you've stayed with the same company as it's then all internal to the same organisation, but it doesn't necessarily have to stop you shopping around. It will just be more hassle to sort out, because you will have to write to company B to ask what the extra was and then put the claim in with the legal cover of company A.

korky69

just a quick note for anyone following this thread,
even if you know its your fault in an accident, never admit liability at the scene

movilogo

She talked to her insurance who were not very helpful saying that she could claim on her insurance and pay the £350 excess and they would TRY to recover this from the other driver but if they couldn't she would lose her 2 years no claims!

How disgusting! This is why people have insurance in the first place! So, they are indirectly saying that "if you claim we'll penalize you by voiding your NCB and we won't bother pursuing it from 3rd party".

Who is your insurer by the way?

lisyloo

"if you claim we'll penalize you by voiding your NCB and we won't bother pursuing it from 3rd party"

I think this is a complate mis-interpretation of what they said.

They can only say they can try.
They cannot make guarantees.
If the other person has no insurance and is a homeless tramp then there is no way to get money out of them - it's as simple as that.
Anyone that gives a guarantee over the phone is negligent and could be sacked.

However this does NOT mean that they won't bother.
You have gone from "we'll try but can't guarnatee it" to "we won't bother".

How did you make that leap?

Even with infinite money to pay lawyers and baliffs, there is NO WAY to get money from someone that does not have any assets or income,

V_tricky

Just one other thing on the NCD thing.

Once the claim is settled, if you stay with your current insurer they should automatically reinstate your NCD, and calculate any AP refund.

If you leave your insurer and move to a different one, you just have to send the revised proof of NCD to them and they will refund your AP.

Whilst it may be simpler just to stay with your current insurer, it really shouldn't be any hassle to just fax the document to a different one if you choose.

If another insurer is quoting you a much lower price, then it will probably be well worth that little bit of hassle.

borosteve_2

V_tricky wrote: »

Just one other thing on the NCD thing.

Once the claim is settled, if you stay with your current insurer they should automatically reinstate your NCD, and calculate any AP refund.

If you leave your insurer and move to a different one, you just have to send the revised proof of NCD to them and they will refund your AP.

Whilst it may be simpler just to stay with your current insurer, it really shouldn't be any hassle to just fax the document to a different one if you choose.

If another insurer is quoting you a much lower price, then it will probably be well worth that little bit of hassle.

Thank you, her present insurer is going to be £340 with 2 years, £680ish without and another is £235 with 2 years and £590 without (including quidco) so I think she'll swap. I don't mind paying out the extra for her as thanks to MSE I've just got a new credit card with 0% on purchases for over a year so the difference will just sit on it until she gets the extra back.