RichR
Premium Member
Registered: 17th Oct 01
Location: Waterhouses, Staffordshire
User status: Offline
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I had a none-fault claim last January after a guy ran into my parked car, which was at the time, parked on my Ex Girlfriend's driveway. He slid in the snow, out of a junction, across the road, over the pavement and into my car. I was fast asleep in bed at the time!
Now, question - why is my insurance going up because of this?
I have used comparison sites and my insurers and had quotes with and without the none-fault accident and there's a difference of about £100+
Why should I be penalised for someone else's mistake when I had zero blame?
[Edited on 31-01-2011 by LiVe LeE]
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mattk
Member
Registered: 27th Feb 06
Location: St. Helens
User status: Offline
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because according to insurance companys if you have been involved in one accident, you are more likely to be involved in another...
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RichR
Premium Member
Registered: 17th Oct 01
Location: Waterhouses, Staffordshire
User status: Offline
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I get that but I'm going to go mad when I speak to my insurance company later - they want my business they can fucking do me a deal.
I have 10 years NCB this year!! 10 fucking years 
[Edited on 31-01-2011 by LiVe LeE]
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IvIarkgraham
Premium Member
Registered: 27th Mar 04
Location: Ellesmere Port, Cheshire
User status: Offline
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what matt said
happened to my brother. its a piss take!
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scoob
Premium Member
Registered: 16th Oct 03
Location: Beverley, E Riding of Yorkshire
User status: Offline
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because they want your money
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Steve
Premium Member
Registered: 30th Mar 02
Location: Worcestershire Drives: Defender
User status: Offline
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i have had several non fault claims in the past, none of them have affected my premium, id suggest changing insurers
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_Allan_
Member
Registered: 24th Mar 04
User status: Offline
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quote:
Originally posted by LiVe LeE
I have 10 years NCB this year!! 10 fucking years
The general maximum is 5 years anyway.
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Ben G
Member
Registered: 12th Jan 07
Location: Essex
User status: Offline
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quote:
Originally posted by Steve
i have had several non fault claims in the past, none of them have affected my premium, id suggest changing insurers
you must be on special downs syndrome insurance then as i've had 3 non fault accidents and all of them have increased my premium with churchill, elephant, admiral, greenlight and every other insurance company i've done a quote with.
it's all a con to get more money out of you.
in lee's case, how is someone sliding into him in adverse weather conditions while he was in bed sleeping going to increase the chance of him having another accident?
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DaveyLC
Member
Registered: 8th Oct 08
Location: Berkshire
User status: Offline
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Did you claim off the 3rd partys insurance directly? If so dont bother mentioning it.
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Steve
Premium Member
Registered: 30th Mar 02
Location: Worcestershire Drives: Defender
User status: Offline
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direct line here, never had a rise, even asked them before the claims if it would affect it and they said no, and it never actually did.
those companies you list, i wouldnt class as decent insurers anyway, mickey mouse jobs imo. Get what you pay for.
[Edited on 31-01-2011 by Steve]
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Ben G
Member
Registered: 12th Jan 07
Location: Essex
User status: Offline
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quote:
Originally posted by Steve
direct line here, never had a rise, even asked them before the claims if it would affect it and they said no, and it never actually did.
those companies you list, i wouldnt class as decent insurers anyway, mickey mouse jobs imo. Get what you pay for.
[Edited on 31-01-2011 by Steve]
direct line is the lowest of the low, keep getting stupid leaflets through the door from them every week. piss take.
greenlight insurance is a specialist broker for performance cars and were considerably cheaper than any other company for my focus. wouldn't call them mickey mouse jobs at all.
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Steve
Premium Member
Registered: 30th Mar 02
Location: Worcestershire Drives: Defender
User status: Offline
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Clearly they are if they charge you for an accident that wasnt your fault 
lets stay friends though over this please
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Jambo
Member
Registered: 8th Sep 01
Location: Maidenhead, Drives: VXR Arctic
User status: Offline
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Rich I have been crashed into twice last year, in the space of 3months. I was stationary in both events in traffic. Because of this ludicrous amount of bad luck, my insurance is now ridiculously high. I'm paying what I paid for the M3 on a Clio.
I have 9yrs NCB and have never been in a RTA that was my fault.
Robbing cunts
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RichR
Premium Member
Registered: 17th Oct 01
Location: Waterhouses, Staffordshire
User status: Offline
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I think I'll be moving to Admiral; they were the cheapest on Confused and also the only ones who didn't change prices with the non-fault claim listed.
So infuriated with it though! I still might rant at my current insurers
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shaunmods
Premium Member
Registered: 12th Mar 07
Location: Glascote, Staffordshire
User status: Offline
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I've had two none fault crashes and they were putting the quotes up £400 I didn't declare them in the end. Why should I fork out when they weren't even my fault?
[Edited on 31-01-2011 by shaunmods]
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Ben G
Member
Registered: 12th Jan 07
Location: Essex
User status: Offline
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quote:
Originally posted by Steve
lets stay friends though over this please
ok mate that sounds kl x
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Gareth
Member
Registered: 2nd Mar 00
Location: Derby, Drives: EVO VIII MR & pug 308
User status: Offline
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Not worth the risk imo they can refuse to pay out if you dont delcare non faults
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Corsa_Sport21
Member
Registered: 13th Apr 08
Location: Leven, Fife. Drives : 205 GTi
User status: Offline
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Admiral seem to be pumping out the best quotes for car insurance these days.
Im with Admiral and ive read quite a few threads on here and other forums about Admiral being the cheapest.
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corsamon
Member
Registered: 18th Dec 08
Location: Lancashire
User status: Offline
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Have you checked its due to the accident its going up?
Its nothing to do with the insurance bumping prices up e.t.c?
Just an idea.
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RichR
Premium Member
Registered: 17th Oct 01
Location: Waterhouses, Staffordshire
User status: Offline
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quote:
Originally posted by corsamon
Have you checked its due to the accident its going up?
Its nothing to do with the insurance bumping prices up e.t.c?
Just an idea.
quote:
Originally posted by LiVe LeE
I have used comparison sites and my insurers and had quotes with and without the none-fault accident and there's a difference of about £100+
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Lawis
Member
Registered: 9th May 10
Location: Crouch End, Greater London
User status: Offline
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Thats harsh,
Its not even like it could've been a bit your fault, or anything you could've done to stop it, you weren't even in the car!
:/
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RichR
Premium Member
Registered: 17th Oct 01
Location: Waterhouses, Staffordshire
User status: Offline
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precisely, it wasn't even on the road! I just think its a joke that I'm classed as higher risk than previously because of it
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Robin
Premium Member
Registered: 7th Jan 04
Location: Northants Drives: Clio 182 Cup
User status: Offline
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I'm going to be mightily fucked off if mine goes up. He accident wasn't my fault on two levels!
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Robin
Premium Member
Registered: 7th Jan 04
Location: Northants Drives: Clio 182 Cup
User status: Offline
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I'll cancel my policy and get the FSA involved, or the ombudsman if mine goes up by a penny.
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Nick-S
Member
Registered: 3rd Mar 04
Location: Leigh. Drives: RS Megane 230 F1 Team R26
User status: Offline
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quote:
Originally posted by Ben G
greenlight insurance is a specialist broker for performance cars and were considerably cheaper than any other company for my focus. wouldn't call them mickey mouse jobs at all.
They quoted me a realy good deal but then would not insure me as id not owned a "high performance" car for 12 months or longer.
I ended up staying with direct line.
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