Car Insurance Go Up After Accident

[dazza74]

Been with the same insurance company for a few years and the renewal quote I get has always been resonable but this year it's gone by nearly £100 which equates to about 40%. I was in an accident last year, not my fault and the 3rd party insurers settled the claim but I'm wondering whether this is the reason why my insurance has gone up this year?

[t-force]

Did they regard your no claims discount as lost?

[eric pisch]

you have a claim on your account in my experience they care not who was at fault and will use any excuse to ramp up the price

shop around the mse guide saved me £260 a year and my wife £190

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[FZR400RRSP]

My mother's insurance went up this year, by nearly 40%
Only difference, as with you, was an accident that wasn't her fault and she didn't have to pay anything to fix.
So I just went online and got her another policy.
Even declaring the accident, she got the premium down to what it was before the accident.
Honestly, they're just praying most people can't be bothered and will stump up.

[Kebabhead]

Even though you were not at fault they will still load you for it

[FZR400RRSP]

Originally Posted by Kebabhead

Even though you were not at fault they will still load you for it

Your existing provider might, but new ones might not.
As proven by my mother's (new) policy.
I definitely declared the accident, their website had a choice of drop-downs when you declared 'accident'.
One of them was "not my fault, I didn't have to pay anything"
Click on that, no loading.

[Kebabhead]

Originally Posted by bowfer

Your existing provider might, but new ones might not.
As proven by my mother's (new) policy.
I definitely declared the accident, their website had a choice of drop-downs when you declared 'accident'.
One of them was "not my fault, I didn't have to pay anything"
Click on that, no loading.

The real way to find out is go on a comparison website and get two quotes one declaring the accident and one not to check the price

[Iccz]

Same applies for points on the license I believe, not all will bump your insurance up because of it, yet some will take advantage of this matter, it's easy money in their pocket, that's how they see it.
As long as you don't collect points regularly

[dazza74]

Originally Posted by t-force

Did they regard your no claims discount as lost?

Don't think so, I had protected no claims on the policy. It was a pretty open and shut case the whole claim as I was fortunate somebody see the incident and gave me their details so as to act as a witness. Only talking about £200 worth of damage anyway to mine. Thanks to all that have posted think I might phone them and say I'll take my business elsewhere unless they renew my insurance at last years level

[Iccz]

Originally Posted by dazza74

Don't think so, I had protected no claims on the policy. It was a pretty open and shut case the whole claim as I was fortunate somebody see the incident and gave me their details so as to act as a witness. Only talking about £200 worth of damage anyway to mine. Thanks to all that have posted think I might phone them and say I'll take my business elsewhere unless they renew my insurance at last years level

Give them quotes from other companies, they will generally try to match them, especially if that is a quote including the accident.
If not, then fair enough, go else where, no point in trying to threaten them saying you'll take your business somewhere else, just give them the chance by pointing out it's cheaper elsewhere. You may at some point want to go back to them so try to do it in a polite way just incase!
Which im sure you would do anyways.

[FZR400RRSP]

Originally Posted by Kebabhead

The real way to find out is go on a comparison website and get two quotes one declaring the accident and one not to check the price

Which I did, out of cynical curiosity.

[dazza74]

Phoned them up and explained the situation, one phone call took the price down by over £50 but I'm still getting some quotes on comparisons sites of around £60 cheaper than that so think I'll go elsewhere. Thanks for everyones advice and help

[Iccz]

Out of interest who was your original insurer who tried to up the cost?

[Miss Chief]

Originally Posted by dazza74

Phoned them up and explained the situation, one phone call took the price down by over £50 but I'm still getting some quotes on comparisons sites of around £60 cheaper than that so think I'll go elsewhere. Thanks for everyones advice and help

Book going via Quidco! you can get up to £50, sometimes more!

[dazza74]

Originally Posted by Iccz

Out of interest who was your original insurer who tried to up the cost?

Elephant