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    • Enricolathamos
    • By Enricolathamos 28th Jun 18, 6:33 PM
    • 1Posts
    • 0Thanks
    Car accident abroad in car park - claim impact on insurance premiums
    • #1
    • 28th Jun 18, 6:33 PM
    Car accident abroad in car park - claim impact on insurance premiums 28th Jun 18 at 6:33 PM
    Hi all,

    I have tried to search this but do not seem to find any such related theme, heres my situation:

    Last year in April whilst on holiday in the alps in France we returned to our car (having driven from the UK) which was parked in a hotel underground car park to find that a car had park alongside ours, in the process hitting our car and causing damage (decided to drive into parking spot rather than reverse, our car to one side, concrete column to the other, appears to have done it trying to manoeuvre into space and no doubt concentrating on the column rather than our car).

    So, on finding this, tried to contact the owner via the hotel but they were unable too/not very helpful. To complicate matters further the car was on Belgium plates. Knowing this would be complicated I called my insurance company to advise them and seek their guidance on how best to record situation, obvioulsy took a load of photos etc and the following day we left having never identified owner.

    Our car was repaired following insurance claim and a year later our insurance company are still seeking to recover money form third party insurers, which leads me to my questions:

    My insurance policy renewed in February, increase substancially due to outstanding claim - Do I or can I claim any of this back if I am found as not at fault? and does this continue for subsequant years whilst claim is ongoing?

    What happens if the claim is still ongoing and I wish to renew with another insurance company, does the claim continue? Do I still recive excess if found not at fault?

    I hope the above is clear and I apprciate any assistance given.
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    • Morph4610
    • By Morph4610 2nd Jul 18, 8:41 AM
    • 129 Posts
    • 42 Thanks
    • #2
    • 2nd Jul 18, 8:41 AM
    • #2
    • 2nd Jul 18, 8:41 AM
    Hi Enrico, sorry to hear about this incident. It's probably best to not dwell on the 'not at fault' aspect. In simple terms once your insurance company has paid out to repair your car then unless they can recover the money from the other driver your insurance going forward (assume you've lost some no claims bonus) is affected. This includes you excess - you can only receive this from the other party or their insurer. A year or more on it does sound as if they might be struggling to get this resolved in a way which will help you.
    • Quentin
    • By Quentin 2nd Jul 18, 9:21 AM
    • 38,357 Posts
    • 22,328 Thanks
    • #3
    • 2nd Jul 18, 9:21 AM
    • #3
    • 2nd Jul 18, 9:21 AM
    The claim will have to be disclosed to any insurers you approach for quotes as a fault claim in your history. Insurers normally ask for a 4/5 years history.

    Your excess is an uninsured item and it will be down to you to pursue the third party to get this reimbursed if you can

    You can try explaining the ongoing liability issue to any new insurer and ask that if the claim is subsequently confirmed as no fault that they amend the premium.

    If they agree then ask for confirmation in writing before you buy the policy
    Last edited by Quentin; 02-07-2018 at 9:24 AM.
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