Bad luck comes in three's, no snide remarks! haha
Car insurance:
I received my renewal invitation £366.
New car a Jaguar xf 3.0 automatic.
Within the renewal date and the cover commence date, A woman driver of a Land rover discovery pulled out and drove into me at a junction, I was returning from the airport from a holiday.
The woman driver asked her passenger if the road was clear, I was on the inside lane on a dual carriageway, the passenger thought she meant the outside lane, the inevitable happened and she drove straight into my offside causing £2500 worth of damage, the driver admitted full liability to me and the insurance, happy days.
Their insurance is repairing my vehicle, been in for 4 weeks now!.
I went to renew my insurance and was asked the question regarding any accidents, fault or non fault. I answered as non fault, driver admitted liability, car is being repaired, hit the renew button on screen and it went up £50. There is a rat about here.
I contacted my insurance and asked why has it gone up when the accident, (nothing to do with the barrier lol), had nothing to do with nor could I avoid, make my insurance go up. I was advised that statistics have PROVEN that a person that is involved in a non fault accident will go onto have a fault accident!!!!. I asked was someone drunk in the statistic department as this isn't right. They wouldn't reduce my renewal.
After research it is common practice to hike premiums up in this instance.
What a load of cod's bollocks.
Has anyone been in this scenario?
Comments
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No but I know someone who has and unfortunately premiums go up whatever has happened. In fact the person I know decided to report a "bump" although no claims were later made, the insurance company suggested this just in case and then the inevitable hike happened.
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I had a no fault accident - I wasn’t even in the car when it was hit. My insurer (NFU) didn't penalise me with either loss of NCD, or with a premium hike.
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Around 18 months ago.
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Our daughter had her car hit twice outside her house in the last two years, both times the drivers of the other vehicles called at the house and admitted it was their fault, but her insurance went up as she was considered to be in an high accident area,although she has lived there for years without any previos accidents,
Ps its a little cul de sac
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Oh well, grin and bear it, eh?
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The extra premium that you have to pay is a direct result of the Third Party's negligence and as such you should claim the extra premium back from them in the same way that you reclaim your other uninsured losses, such as your excess or hire car /taxi charges etc.
Make sure you keep documentary proof of your now incorrect renewal premium and submit that with proof of your revised renewal notice with all of your other out of pocket expenses to their insurers.
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Another one here who had someone drive into me, very gently, from the side - "I thought I'd pressed the brake but I can't have done" and admitted full liability for the slight bend in my o/s rear door. This was 3 years ago. The insurers were determined to up my rate the next year. I dumped them & went elsewhere and luckily it didn't seem to matter so much to the new lot. (LV=)
But it's just another way of them screwing more money. After all, they're not primarily in business to pay out, are they?
All sympathy for your frustration!0 -
I have had both experiences. Many years back on asking why my premium quote had risen, following an accident, and being told that it was a 'no claim bonus not a no blame bonus'.
More recently, 2016, a contested claim ended with both insurers paying their insureds claim and this had no effect, that could be easily identified, at the next renewal.
I have just started to look at quotes for my renewal and used my, now usual, procedure of following the advice on Money Saving Expert.
The four main suggested comparison sites all returned the same insurer as the cheapest and ranged from £366 to £384. I then got quotes from the independents and all were around £300 more.
I also noticed that in the quote summary the comparison sites list the headline extras, courtesy car,legal cover etc, whereas the independents give a figure and then you must scroll down the page to see these things and add them as none came as part of the policy you have been quoted for.
The best quote I have is some £45 less than this year and the renewal quote from that broker was £505 an increase of £96 which suggests that the use of the comparison sites can be beneficial so long as the policies suit and you check out things such as foreign use-the company I am considering has differing Euro cover depending on where you buy from.
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It’s not necessarily luck.
Check out their TV ads and they say something about no loss of NCD and no premium hikes. I can’t remember the exact words or examples used.
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