Car Insurance

[Nanagran]

I was hit by another car and I did not claim through my Insurance, but informed them of the accident. They have now put my Insurance up by �100 and taken away my No Claims for 6 months until they give the third party chance to reply. Also I was hit by a lump of tree and it has been incorrectly entered on my new schedule, upon complaining about this, I was informed that it cannot be changed and the correct wording inserted. How do I stand on both points?

[DONNA1458]

I would take it that this is not a larger insurance company i.e directline/churchill as i am certain they would not do this, i would cancel my insurance with them go on
http://www.confused.com/ and move your no claims you have over even if you have to lose one of your years it will be worth it for the better service.

[sifellis]

Was the accident quite recent?

When a claim is made or an accident is declared (fault or non-fault) a claim is opned on the insurers system and closed after the claim has been settled.

If it's an accident that is reported, a claim is opened and remains opened until somebody in the claims team recieves more information and closes it accordingly ie, fault or non-fault.

Tesco for example have over 5 million motor policies & the claims team cannot asses every policy they have. I'm willing to bet that a claim has been opened in the event of the accident & as there have been no updates it has not been closed as a non-fault, no-claim incident.

I would ask to speak to the organ grinder than the monkey and ask the team leader to close the claim and re-instate your ncd. More than likely they will have to recieve permition from their 3rd party recoveries team as they have the final say in the claims. It all just sounds like an admin issue to me.


Who are you insured with?

[doctor death]

sometimes its best not to report accidents to your own INSURERS STRAIGHT AWAY, unless you had repairs etc authorised by your insurers, in this case the other motorist "the third party " may not admit liability , and/or is ignoring any mail re- the accident , was it an accident where the other party "drove in to the back of you" ?? where liabilty is normally a staright foward procedure with the "two insurers liasing amongst themselves " ..... did you both have fully comp, do you know if the other party is TPF AND T , or FULLY COMP .... ????

[wisewomen]

All accidents have to be reported to your insurance company whether you make a claim or not, otherwise you risk invalidating your policy.

Have the third party insurers admitted liability in writing. If so simply send this to your insurers and they will update their file, reimburse your no claims and refund you any extra you have paid on the policy.

If not, its a waiting game im afraid.

Most insurers will reimburse your no claims and any extra you have paid at the end of the claim, or spread the cost of any extra payments over future installments.

Only cancel your policy if you are nearing the end of the policy otherwise you will be liable to pay the majority of the remainder of the policy anyway.

If in doubt see professional legal advise. Many Solicitors firms these days offer free advice workshops, just look in your local paper.

[doctor death]

wisewoman replied "all accidents need to be reported even if you do not claim yourself for injury/ or damages to your vehicle ,otherwise this can invalidate your policy" ........well thats not exactly true ---- for example if you are third p f and T , and someone hits you in the rear, its down to you to handle your CLAIM, so whats the point of reporting the accident to your INSURERS if they are not obliged to assist you as a T P F and T ,(who has been hit in the rear) ????? , also if some one else not insured on your POLICY drives your vehicle and has an accident....once again the DRIVER who borrowed your car is responsible .... as he is not insured(~named driver etc ) , on your policy then once again whats the point of reporting it to your insurers....... WISEWOMAN didnt go deep enough on her reply to NANAGRAN ........ (Doctor Death )