Ben G
Member
Registered: 12th Jan 07
Location: Essex
User status: Offline
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Had an accident in October in the other halfs focus. It wasn't our fault and the other parties insurance company paid for everything.
Renewals is now due and my insurance company haven't included it on either of our policy details even though we informed them.
I was the driver so it'll need to be included on my policy, but does it need to be on her policy also?
It's a multicar policy through admiral, so same policy number with 2 cars. I'm main driver on mine, she is on her's.
Oh and the renewal was 817 for mine and 810 for her's, even though last year it was 530 and 720. Madness.
[Edited on 26-02-2014 by Ben G]
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VrsTurbo
Premium Member
Registered: 8th Jun 10
User status: Offline
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Ouch, I had a non fault last year and it didnt put my premium up. its gone down infact.
The Abarth & Megane all mods declared is less than 800 on admiral multicar the megane is 450 odd of that.
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Corsa_Sport21
Member
Registered: 13th Apr 08
Location: Leven, Fife. Drives : 205 GTi
User status: Offline
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Why would you even declare it??
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BeetleGav
Member
Registered: 27th Jun 10
Location: lancashire, nelson
User status: Offline
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Ouch that's pricey. You tried quoting without multicar?
My renewal was about £760 :/
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RobHayes
Member
Registered: 6th Sep 03
Location: Lincolnshire
User status: Offline
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I had the same last year. old fart drove into me. I rang my insurance who gave me his insurance details and said they didn't need to be involved if I didn't want them to. Dealt directly with the old guys insurance, and my insurance haven't included the non-fault accident on my renewal.
oh, and I pay just over £500/year. Over £800 seems high?
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Ben G
Member
Registered: 12th Jan 07
Location: Essex
User status: Offline
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Just to be clear, this is the price without the accident added, so they're trying it on.
Just got an email from them saying they've miscalculated my premium and it's too high. They're going to re-do it.
My question still stands though. Does the accident need to be declared in my name or both our names?
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Ben G
Member
Registered: 12th Jan 07
Location: Essex
User status: Offline
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quote:
Originally posted by Corsa_Sport21
Why would you even declare it??
Why would you not? They know about it already.
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RichR
Premium Member
Registered: 17th Oct 01
Location: Waterhouses, Staffordshire
User status: Offline
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She hasn't had an accident or made a claim, you have had an accident; the claim was against the third party's insurer therefore just your good self is required to declare it.
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Ben G
Member
Registered: 12th Jan 07
Location: Essex
User status: Offline
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Cheers. Not a problem really as i'm old now. It'll just go down as a non fault accident with no claim made.
Shes still young by insurance standards so it would've affected her more.
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RichR
Premium Member
Registered: 17th Oct 01
Location: Waterhouses, Staffordshire
User status: Offline
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A claim was made though albeit not against your own insurers.
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Ben G
Member
Registered: 12th Jan 07
Location: Essex
User status: Offline
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Yes, although thats the same thing I put last time I had a non fault accident and they were fine with it 
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pow
Premium Member
Registered: 11th Sep 06
Location: Hazlemere, Buckinghamshire
User status: Offline
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Being a named driver is a con. If you have an accident as a named driver, you have to declare it and then the person who's policy it is has to declare it as well, even if they weren't anywhere near the car
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mwg
Member
Registered: 19th Feb 04
Location: South Lakes
User status: Offline
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It's a piss take that you have to declare claims that aren't your fault tbh.
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John
Member
Registered: 30th Jun 03
User status: Offline
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Statistics show that it makes you more likely to have another crash. So although I don't agree with most of the things they do. If they have actual figures to back it up, it's a genuine factor in how they price your policy.
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Ben G
Member
Registered: 12th Jan 07
Location: Essex
User status: Offline
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Price has now been changed to 1287 for both cars, but the accident is only under her name, not mine.
so they added the accident themselves and lowered the price, but didn't put the accident under my name.
confusing.
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Ben G
Member
Registered: 12th Jan 07
Location: Essex
User status: Offline
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Done a new multicar quote and its now 579 for mine and 638 for her's, so 1218 total. Much better.
Weirdly, thats with my mum and nan removed off both policies (they used to reduce the premium, but actually raise it now). They must have cottoned on to this.
Also, thats with the accident on both our policies and also with the missus added as a named driver on my car.
Not bad, but a bit annoyed my car is still 40 odd quid more than last year.
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Carl
Member
Registered: 9th May 04
Location: Jimmy Bennett's la la land.
User status: Offline
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It's bull shit, they make it up as they go along. my missus had an accident on my policy once, I just took the hit as it was my policy, no point her having it on her history 2.
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VegasPhil
Premium Member
Registered: 16th Jan 05
Location: Fareham, Hants Drives: Octavia VRS
User status: Offline
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My multi car renewal was extortionate. I ended up getting quotes for both cars on Seperate policies then going back to them. The cheapest quotes were all bell group companies. Strangely.
Don't understand the whole declare accident that was not your fault thing. That should be banned.
Corsa 2.0 16v Vegas - Sold
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Corsa_Sport21
Member
Registered: 13th Apr 08
Location: Leven, Fife. Drives : 205 GTi
User status: Offline
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Under what section do you need to declare it??
It wasn't your fault, and you never claimed. So why should they even need to know??
Wasn't it that Lee bloke who worked in insurance that cleared it up saying the way they word it makes it look like something it isn't and you don't actually need to tell them.
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John
Member
Registered: 30th Jun 03
User status: Offline
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quote:
Originally posted by John
Statistics show that it makes you more likely to have another crash. So although I don't agree with most of the things they do. If they have actual figures to back it up, it's a genuine factor in how they price your policy.
Which is why they want you to declare it.
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Carl
Member
Registered: 9th May 04
Location: Jimmy Bennett's la la land.
User status: Offline
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they ask if you've been involved in an accident dont they?
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Ben G
Member
Registered: 12th Jan 07
Location: Essex
User status: Offline
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Yes Carl. If they asked whether i've made any claims, I wouldn't need to declare it. But as they've worded it differently, I need to tell them.
Plus side is they appear to have taken off the 'any windscreen claims' bit. I guess they tried to cash in on that but failed.
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mwg
Member
Registered: 19th Feb 04
Location: South Lakes
User status: Offline
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quote:
Originally posted by John
Statistics show that it makes you more likely to have another crash. So although I don't agree with most of the things they do. If they have actual figures to back it up, it's a genuine factor in how they price your policy.
Although I understand that I still think it's unfair, you are effectively being penalised for something that wasn't your fault.
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John
Member
Registered: 30th Jun 03
User status: Offline
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I know what you mean but I can also see how 'non-fault' can actually be your fault.
Although someone shouldn't run into the back of you, it could have been your road positioning or indication or whatever that's been the actual start of the incident. (edit just to say that it's still completely the fault of the person behind).
If the car has been parked out in the street in the same place it has for the past 20 years and someone hits you one day and drives off. That's pretty unfair to be penalised for.
[Edited on 27-02-2014 by John]
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JonnyJ
Member
Registered: 23rd Sep 05
Location: Scotchland
User status: Offline
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Someone hit me on a mini roundabout when they decided give way to the right didn't apply. Never declared it on my next renewal, didn't have any issues #YOLO
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