Car Insurance

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.

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'

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.

Note the words "IF" and "AND"

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.

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.

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.