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Increased car insurance premium after a no fault claim.

I had a renewal quote today which was £180 more expensive than last year. I called the company to cancel their auto renewal. After chatting to the bloke he informed me that the reason my premium had increased was due to my non fault claim. (somebody hit my car while stationary).

I was absolutely dumbstruck that I can be penalized for something that was not my fault and for the next 5 years. I claimed of their insurance and not my own……

I quickly searched for a new insurance quote. I got a quote declaring my “no fault claim” and one without and the difference is £40. To say I’m annoyed is an understatement. I can’t believe that I’m going to be paying at least £40 extra for the next 5 years because somebody hit my car.

How can this be legal?? Is it a new insurance tactic?
 

Berties

Banned
Nothing new about that, been like that for years...mate got clobbered from behind (sitting at traffic lights) and his insurance went up.
 
Insurance companies are dirty thieving b******s.

I hate everything about being a UK motorist..... I'd love to not be reliant on a car.
 

Berties

Banned
Yup. And one reason I never bothered learn to drive, not paying £1500+ for a 1 year's insurance on a rust bucket.. And can imagine if each box you fill made it more expensive...ie rough area, street parking, etc.
 

KhalJimbo

Distinguished Member
HAppens all the time, I got a renewal quote come through which was £300 more expensive than last years. Shopped around and managed to find insurance for this year for half of what my renewal came through as. Just shop around for cheaper then cancel your current insurance.

@Berties.

Strangely enough saying you park on the street makes it cheaper than parking in a driveway.
 

Mr Incredible

Distinguished Member
I had a renewal quote today which was £180 more expensive than last year. I called the company to cancel their auto renewal. After chatting to the bloke he informed me that the reason my premium had increased was due to my non fault claim. (somebody hit my car while stationary).

I was absolutely dumbstruck that I can be penalized for something that was not my fault and for the next 5 years. I claimed of their insurance and not my own……

I quickly searched for a new insurance quote. I got a quote declaring my “no fault claim” and one without and the difference is £40. To say I’m annoyed is an understatement. I can’t believe that I’m going to be paying at least £40 extra for the next 5 years because somebody hit my car.

How can this be legal?? Is it a new insurance tactic?
Your premium went up because your car obviously bends the laws of physics and acts as a magnet for stationary cars to bump into yours! :D

/coat.
 
Your premium went up because your car obviously bends the laws of physics and acts as a magnet for stationary cars to bump into yours! :D

/coat.
Ha ha, It's shocking isn't it, what theses fraudsters can get away with. I might write to Anne Robinson :D
 
Last edited:

Stu V

Well-known Member
According to the Insurance companies, you are more likely to make a claim if you have already been involved in a accident, regardless of blame. At least that's how they justify it.
 

Member 55145

Distinguished Member
happened to me too. could only find one insurance company that wouldn't bump my premium while my claim was in dispute as well.

also why i refuse to pay for bonus protection. its a false economy as they will just boost your premium to compensate

hopefully with the EU butting its nose in things may change (talking about sex discrimination)
 

gandley

Novice Member
happened to me too. could only find one insurance company that wouldn't bump my premium while my claim was in dispute as well.

also why i refuse to pay for bonus protection. its a false economy as they will just boost your premium to compensate

hopefully with the EU butting its nose in things may change (talking about sex discrimination)
I had the same as well, last christmas, 23rd december, a lady going way to fast thought you could stop instantly on ice, i was sat having a nice cup o tea, and heard the crunch. Sure enough it was my car she hit lol.

Anyway premium went from £400 fully comp for my 2 litre turbo to a hefty £635.

makes you wonder if it was my fault what the premium would have been.
 

IronGiant

Moderator
Mine went up £7 this year due to an accident that was my fault :devil:
 

BT Bob

Well-known Member
My daughter (21 in November) has been dreading her renewal, which came this morning from Direct Line. She just got in last year before the "sex-equality" scam, so was expecting a big increase.

It's £10 up on last year, so we're assuming her getting to 4 years NCD and hitting 21 has neutralised any increase due to her being a her! She can "protect" her NCD for an additonal £120.
 

Desmo

Member
Whilst it wasn't your fault, being involved in some way I suppose shows you're more likely to be involved in an accident again....statistically. And statistics will probably show that on the whole, you're more likely to make a claim again in the future.
 

Solar

Well-known Member
Your premium went up because your car obviously bends the laws of physics and acts as a magnet for stationary cars to bump into yours! :D

/coat.
You don't know how much I wanted to quote Pincho on that one. :D

To the OP, have you tried Co-op insurance?
I'm in my first year of driving, and they gave me over £1000 cheaper than ANY other insurer :smashin:
 

Badger0-0

Distinguished Member
Whilst it wasn't your fault, being involved in some way I suppose shows you're more likely to be involved in an accident again....statistically. And statistics will probably show that on the whole, you're more likely to make a claim again in the future.
How does that work when you're sat in your house and someone runs into your car? :confused:

Utter rubbish, imo.

It's just an excuse to bump the premium up.
And they're all playing the same game :mad:

You'll be telling me they're in the business to do us all a favour and they're losing money next.

Er, come to think of it, haven't we had this conversation before?
What's your line of work?
 

Berties

Banned
And to think if you've been driving for 60 years and never had an accident, how much you've paid them...can understand against life insurance protection and if you write off a super car...
 

Phil57

Well-known Member
And to think if you've been driving for 60 years and never had an accident, how much you've paid them...can understand against life insurance protection and if you write off a super car...
:confused:
 

Member 55145

Distinguished Member
How does that work when you're sat in your house and someone runs into your car? :confused:

Utter rubbish, imo.
its just a racket.

they like the drive fear into you so you pay to fix it yourself and it costs them nothing. bonus they might find out about the fix and invalidate the insurance when you do eventually claim!

they basically see it as if you have the balls to claim, then you will claim again
 

Phil57

Well-known Member
The point of insurance....paying all that time, when you do have a mild accident don't fully pay you back, and you have to pay more (so people just go to garage and pay themselves)
I'm still very much confused with your 'ramblings' in the post I quoted previously.

.................and why would people "go to garage and pay themselves," don't you mean pay the garage?
 

DPinBucks

Distinguished Member
It's not a no-blame discount.

It's a no-claim discount.

If you have made a claim, your insurance is clearly riskier than someone who hasn't.

You should check with your company and get them to confirm that they haven't been able to claim the losses from the other party's insurance. They have a duty to do so, and if they have, you should be entitled to an intact NCD. If not, they should explain why. But if the explanation is valid, then that's it. You claimed; therefore your history is tainted. Fault does not come into it.
 

Stuey1

Well-known Member
Badger0-0 said:
How does that work when you're sat in your house and someone runs into your car? :confused:

Utter rubbish, imo.

It's just an excuse to bump the premium up.
And they're all playing the same game :mad:

You'll be telling me they're in the business to do us all a favour and they're losing money next.

Er, come to think of it, haven't we had this conversation before?
What's your line of work?
It works on statistics not on your individual circumstances...

AFAIK car insurance companies do lose money on the cost of premiums (mainly because of our blame-claim culture), they will obviously make it back in other ways and tbh it does cost far too much but while we are forced to pay it there is very little we can do. personally I think it's unfair hat if it's a faultless claim they put the insurance up.

And before you have a go at me my insurance is over £160 a month for two cars, so I'm not sticking up for the insurance because I like them but like everything in life the money has to come from somewhere, we can't expect these companies to lose money
 

Badger0-0

Distinguished Member
It's not a no-blame discount.

It's a no-claim discount.

If you have made a claim, your insurance is clearly riskier than someone who hasn't.

You should check with your company and get them to confirm that they haven't been able to claim the losses from the other party's insurance. They have a duty to do so, and if they have, you should be entitled to an intact NCD. If not, they should explain why. But if the explanation is valid, then that's it. You claimed; therefore your history is tainted. Fault does not come into it.
You've got to be kidding me :confused:

If that's how it works, there quite simply has to be something wrong.

You should check with your company and get them to confirm that they haven't been able to claim the losses from the other party's insurance.
Er, that's quite simply not down to you, imo.
That's what the company is supposed to do for you.
Isn't that why you get insurance in the first place?

And in my experience, it's not how it works anyway.


If you're not at fault, you should not suffer at all, imo.
Simple.
And that's regardless of statistics.
 

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