Car Insurance Claim

[1944screen]

I was sat in my house, when a bloke lost control of his car and rammed into the back of my car,which was on my drive.I made a claim which was honoured by the insurers,no trouble.My question is what happens to my insurance premium when it is due.Also what do I put where it asks if I have made a claim in the last 5 years,regarding it going up.Thanks

 

[bednobs]

did your insurance cover it or his?

[barry1010]

Even if you have your no claims discount protected your insurance premiums may still go up, it depends on your policy.  

You will have to yes to the question about making a claim in the last five years.

[ToraToraTora]

Did you claim from your insurer or his?

You will have to declare the claim ragardless.

 

[Omg21]

My husband had a similar problem.  His car was parked outside the house and a neighbour misjudged the space to pass and hit the car.  He had to declare it to his insurance and the company put his premium up the next year because of it.  As a he is a named driver on my policy, I also had to declare it and pay extra.  My argument that he wasn't even in the car didn't have any effect as they said that it was still classed as an accident.

[Omg21]

The claim was settled by the neighbour's insurance.

[ToraToraTora]

ok you still have to declare the claim but it will be down as a no fault so you should not lose any NCB.

[ToraToraTora]

15:23 sorry that was to omg21.

1944screen can you tell us whose insurer paid the claim.

[Hopkirk]

It

[Hopkirk]

It's all very well not losing your NCB, but they still put the actual premium up after a claim, on the theory you are a higher risk.

[Omg21]

TTT he didn't lose his no claims bonus but as Hopkirk said, he was seen as a higher risk of having another accident despite not even being in the car at the time.

[ToraToraTora]

indeed even with no fault claims there is a cost.

[1944screen]

I was insured by the AA who claimed all that was due through his insurance,Aviva,including a hire car.I take on board what you are saying,but it seems wrong that I could become high risk,when I was in my house and not my car.

[davebro3]

It does seem unfair but that's how it works unfortunately. They use any excuse to charge more.

[barry1010]

I agree, it is wrong. I wouldn't claim if I could sort it for under £2 or £300 but when I was involved in a multi vehicle crash with fatalities, serious personal injuries and write-offs (including my car) my insurance didn't go up.  I did have protected NCD and the accident wasn't my fault.

You will just have to wait and see what happens at renewal

[Hymie]

For an insurance company, any accident is a win, win for them.

 

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[Ellipsis]

> ... it seems wrong that I could become high risk,when I was in my house and not my car.

Their logic is that it's happened before, it could happen again, and maybe your driveway is susceptible to random people careering into it ... it's not fair, but that's insurance.

[mjwman]

If it could happen once it can happen again, so a higher risk now.

[davebro3]

Even if it didn't happen before it could happen (again)....

just sayin'