Bad luck comes in three's, no snide remarks! haha

goodchild replied on 28/02/2019 20:38

Posted on 28/02/2019 20:38

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?

 

brue replied on 28/02/2019 21:01

Posted on 28/02/2019 21:01

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. frown

Tinwheeler replied on 28/02/2019 21:09

Posted on 28/02/2019 21:09

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. 

JVB66 replied on 28/02/2019 21:22

Posted on 28/02/2019 21:22

 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

Wherenext replied on 01/03/2019 15:20

Posted on 01/03/2019 15:20

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.

redface replied on 01/03/2019 19:17

Posted on 01/03/2019 19:17

Don't forget that every succeeding year from now the premiums will be inflated as a result. I doubt that you will be successful in reclaiming those increases from the miscreant or their insurers.

Wherenext replied on 01/03/2019 20:04

Posted on 01/03/2019 19:17 by redface

Don't forget that every succeeding year from now the premiums will be inflated as a result. I doubt that you will be successful in reclaiming those increases from the miscreant or their insurers.

Posted on 01/03/2019 20:04

It's pretty hard to define in following years and most companies will ignore it if a full recovery of losses is made. Ours did a few years ago.

near Malvern Hills Club Campsite Member photo by Andrew Cole

Book a late escape

There's still availability at many popular UK Club campsites - find your perfect pitch today for a last minute trip!

Book now
Woman sitting in camping chair by Wastwater in the Lake District with her two dogs and picnic blanket

Follow us on Facebook

Follow the Caravan and Motorhome Club via our official Facebook page for latest news, holiday ideas, events, activities and special offers.

Photo of Wast Water, Lake District by Sue Peace
Visit Facebook