Car Insurance

Kelteglow
Kelteglow Forum Participant Posts: 36
edited March 2019 in Towcars & Towing #1

I have been with Saga for 3 years and usually pay about £200 for my comprehensive claims protected Insurance for my Picasso C4.This year they are putting up my premium to £360 .Last December someone ran into me and damaged my car I have a witness to say I was not to blame . My car has been repaired by Saga and I have not lost my No Claims discount  or had to pay the first £150 to any claim .What is the point of having protected claims when the insurance company can just increase the premium .They say they have spent out a lot of money for repairs and need to get some back .I don't understand why I am penalised when someone else is to blame . Bob
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  • Wherenext
    Wherenext Club Member Posts: 10,603 ✭✭✭
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    edited March 2019 #2

    If the accident wasn't your fault and they fully recovered their outlay then the reason given for the increase is just a load of baloney.

    I must admit we also had a Non fault accident some 2 years ago and whilst Saga had the vehicle repaired they were awfully slow to chase their outlay, even though I got my losses back from the other insurer pretty quickly. They did increase my premium and I wondered whether it was due to the fact that they hadn't recovered their outlay but did have letters from the other insurer admitting fault. I moved company with the new insurer quite happy with the fact that I had claimed.

  • EasyT
    EasyT Forum Participant Posts: 16,194
    1000 Comments
    edited March 2019 #3

    If the accident wasn't your fault and they fully recovered their outlay then the reason given for the increase is just a load of baloney.

    Who said that Saga recovered their outlay? It could have been a 'hit and run'

  • Metheven
    Metheven Club Member Posts: 3,987 ✭✭✭
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    edited March 2019 #4

    Insurers look upon it as two different things, your 'No Claims' discount remains because its protected but your premium has risen. Simply because by the insurers risk assessment you are now at a higher risk of being involved in an 'at fault' accident in the future.

    Wrong I know, but that is how it is with a lot of insurers.

    I mentioned a minor 'no fault' on renewal a few years back and they raised my premium although NCB remained as it was, (I should have kept quiet) I changed insurers to one that I questioned this and changed to them.

    I do wonder if protecting NCB is actually worth it in monetary terms.

  • Wherenext
    Wherenext Club Member Posts: 10,603 ✭✭✭
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    edited March 2019 #5

    Note the words "IF" and "AND"

  • EasyT
    EasyT Forum Participant Posts: 16,194
    1000 Comments
    edited March 2019 #6

    I did WN. The if was irrelevant to me as I took the OP at his word that it was not his fault. I was simply commenting on the act that we (I exclude the OP) have no way of knowing whether Saga had recovered any money. I was not 'picking on your post BTW (I add that as your response seemed to me to be defensive)  but merely pointing that out.

  • Tigi
    Tigi Forum Participant Posts: 1,038
    500 Comments
    edited March 2019 #7

    NCB is bit of a con, its the discount on the premium so to obtain the same return as someone without protection they can simply up that premium.

  • Wildwood
    Wildwood Club Member Posts: 3,581 ✭✭✭✭
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    edited March 2019 #8

    Frankly even as someone who has worked all my working life in insurance I cannot support this which is nothing more than daylight robbery and should be stopped. The theory is that if you make a claim that is not your fault then you are more likely to have more. It is utter rubbish but many insurers use it to penalise innocent motorists. The only answer is to move. If you declare the accident and confirm your bonus was not affected then you will find other companies who will take you on at normal rates.

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