shaunmods
Premium Member
Registered: 12th Mar 07
Location: Glascote, Staffordshire
User status: Offline
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I've got my insurance renewal coming up soon on the 106 so I've been looking for a few quotes online. I've had two non fault crashes this year. One was for £200 and the other was £800. On elephant I tried getting quotes with them declared and without them declared and there there was £300 difference in the price  Do these crashes go against me even though they weren't my fault?
Anyone else had this happen? Just going to try a few other places now and see if they are the same
Ta 
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Chris x
Member
Registered: 11th Sep 08
Location: Bexhill
User status: Offline
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Yeh, they go against you.
When I put the 'Claim Cost' in, I also put my compensation (sp) amount in.
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shaunmods
Premium Member
Registered: 12th Mar 07
Location: Glascote, Staffordshire
User status: Offline
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quote:
Originally posted by Chris Corsa B
Yeh, they go against you.
When I put the 'Claim Cost' in, I also put my compensation (sp) amount in.
Ahh damn it! I didn't added my compensation to it either. God knows how much it'll be with that on as well 
Looks like the corsas going to be interesting to insure then 
[Edited on 23-12-2009 by shaunmods]
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Chris x
Member
Registered: 11th Sep 08
Location: Bexhill
User status: Offline
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Yup, think I pay around £1600 for my Corsa and £600 a year for my Land Rover 
Paid £2000 a year for it when I was 17! Ohh well! 
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am4nf
Member
Registered: 27th Jul 08
Location: South Ayrshire Drives: Corsa Sport
User status: Offline
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Why did you have to claim on your insurance when it was the other people who crashed into you 
[Edited on 23-12-2009 by am4nf]
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shaunmods
Premium Member
Registered: 12th Mar 07
Location: Glascote, Staffordshire
User status: Offline
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quote:
Originally posted by am4nf
Why did you have to claim on your insurance when it was the other people who crashed into you
I claimed on their insurance bud. Thats why I'm confused about it
[Edited on 23-12-2009 by shaunmods]
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Chris x
Member
Registered: 11th Sep 08
Location: Bexhill
User status: Offline
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He didnt, if you have a non fault accident, it still puts your own policy up even if you didnt claim on that policy. Joke tbh!
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Chris x
Member
Registered: 11th Sep 08
Location: Bexhill
User status: Offline
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I cant remember how much mine went up by, but it defo did.
Its all statistics.
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Tiger
Member
Registered: 12th Jun 01
Location: Leicestershire Drives:Astra VXR
User status: Offline
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I dont even know how much my crash claim amount was so I just make a figure up when getting claims
I was at fault when I bumped into someone, but its made no difference to my premium with some companies when i've been getting other quotes
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am4nf
Member
Registered: 27th Jul 08
Location: South Ayrshire Drives: Corsa Sport
User status: Offline
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You shouldnt have to mention it if its nothing to do with your insurance surely, they made the claim tbh
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wakey1512
Member
Registered: 8th Apr 09
Location: Grimsby
User status: Offline
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claims for non fault accidents are only applicable if YOU claimed on fully comp insurance.. otherwise leave it.
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am4nf
Member
Registered: 27th Jul 08
Location: South Ayrshire Drives: Corsa Sport
User status: Offline
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See ^^ you really shouldnt need to mention it if you didnt claim
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John
Member
Registered: 30th Jun 03
User status: Offline
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Depends if you informed the insurance or not.
They want to be told about EVERYTHING, but if you never claimed on your insurance then you aren't telling lies.
If you did tell your insurance then you are supposed to put it down.
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shaunmods
Premium Member
Registered: 12th Mar 07
Location: Glascote, Staffordshire
User status: Offline
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My insurance know about both crashes John. I just rang them up straight after both to tell them but they didn't deal with any of the claim process
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AlexW
Member
Registered: 25th Oct 08
Location: Essex
User status: Offline
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If you are crashed into your more likly to be crashed into again apparently.
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am4nf
Member
Registered: 27th Jul 08
Location: South Ayrshire Drives: Corsa Sport
User status: Offline
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To me, you saying on the internet form you had a non fault claim would mean to them that someone crashed into you and either fucked off or wasnt insured therefore you had to claim, IMO I wouldnt put it down
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Graham88
Member
Registered: 16th Apr 07
Location: South East Kent Drives: E46 M3
User status: Offline
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I've never put down any non fault claims, claimed off my insurance whilst on said policy and nothing was said, I wouldn't bother. I don't see how they can justify somebody crashing into me putting MY insurance up. They just make it up as they go along, it pisses me off
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John
Member
Registered: 30th Jun 03
User status: Offline
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The insurance want to know about it, that's why they say any claim.
Whether you do it or whether it gets picked up on much is another matter.
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JonnyJ
Member
Registered: 23rd Sep 05
Location: Scotchland
User status: Offline
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I've had two incidents where people have hit me and I've claimed off theirs. I've never said anything about them when getting quotes, only the one that i had which was my fault.
Never had a problem
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Graham88
Member
Registered: 16th Apr 07
Location: South East Kent Drives: E46 M3
User status: Offline
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quote:
Originally posted by John
The insurance want to know about it, that's why they say any claim.
Whether you do it or whether it gets picked up on much is another matter.
They said to me I had a claim in so and so month and I said yeah I claimed off somebody elses insurance and they basically said "oh ok" and nothing else was mentioned
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Tiger
Member
Registered: 12th Jun 01
Location: Leicestershire Drives:Astra VXR
User status: Offline
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Like I said earlier though, I bumped into someone and addmited fault because it was, i've recently been getting quotes with £1000 crash claim, its not put my insurance up with some companies....
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Graham88
Member
Registered: 16th Apr 07
Location: South East Kent Drives: E46 M3
User status: Offline
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Depends on the individual and the company really, my £16k at fault claim put my insurance up £50.
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Cole
Member
Registered: 11th Nov 02
Location: eastbourne Drives:zafira sold now a qashqai
User status: Offline
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according to admiral car insurance statisticly becasue you have had a non fault claim you are more likely to have an at fault claim hence you premium going up my insurance went up by £100 this yr due to my neighbour (old git) reversing off his drive straight into the side of my car i wasnt even in the house when let alone the car when it happened so how should that go against me but try telling an insurance company that
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