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None fault car accident

Lilly_White Avatar
6y, 8m agoPosted 6 years, 8 months ago
I was in a car accident a couple of months ago. The other driver was to blame and he took responsibility, my car was fixed and i did not have to pay anything at all. Now im in the process of renewing my car insurance, will this affect my premiums for the next year?
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Lilly_White Avatar
6y, 8m agoPosted 6 years, 8 months ago
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1 Like #1
I believe so, yes.
1 Like #2
no it shouldnt do as your insurer has not had to pay anything out, therefore there is no black dot against your name making you more risky!
1 Like #3
Yes, I was in a 4 car pile up, The back driver took blame for all the cars and now im paying more for my insurance even though it wasnt my fault at all :(
#4
thanks guys, insurance has really shot up this year, im told its because of the bad weather we had and the amount of claims :(
1 Like #5
Benjimoron
I believe so, yes.


+1

Insurers will see you as being a higher risk of having another accident in the future (even if the previous one wasn't your fault)....it's crazy.
1 Like #6
Yes, we had a "not at fault" accident and although we claimed didn't bother with injury claims, sure we we had now as our insurance went up over the blooming thing, stupid person changing a CD!
#7
well I take my comment back...they're obviously robbing b***ards
#8
Jaycee21
Yes, we had a "not at fault" accident and although we claimed didn't bother with injury claims, sure we we had now as our insurance went up over the blooming thing, stupid person changing a CD!


Our fault person so called sneezed!! She was a young girl rushing probably putting her lipstick on lol
#9
Smuggling Pnuts
well I take my comment back...they're obviously robbing b***ards


I honestly thought the same as you as I also protect my 9 yrs no claims, but i was shocked when I realised my insurance has gone up for a no fault crash!
1 Like #10
As a few comments above, you need to declare it but when you do so, you select "not your fault".
#11
beth3735
I honestly thought the same as you as I also protect my 9 yrs no claims, but i was shocked when I realised my insurance has gone up for a no fault crash!


We had our No Claims protected too, but still went up in price and four years on still being affected by it.:x
1 Like #12
I have found it pays not to accept their renewal quote.

We are with Diamond and Elephant and are always (unpleasantly) surprised by our renewal quotes, so I go and do a brand new quote on their website with everything practically the same except the door number, slightly alter the day of birthday and enter the car details manually rather than inputting the reg no. (won't work otherwise). I then note down the reference number for the new quote and phone them up to tell them off. They always then go through the quote for me and match the price. I have always managed to get about an extra £100 knocked off doing this :)

Also, after someone bumped the back of OH's car and admitted fault, Elephant told us that even though oH was completely blameless, they treat it as that if you have been involved in an accident previously, then you are more likely to be involved in one again so they 'adjust' their quote accordingly :x
1 Like #13
Why not try an online quote and put in there 2 versions, one with a claim and one without. See if there is any difference.

I've just done my wifes just and there was no difference for putting the fact she had had 2 in 5 years over just putting 1.

BTW I went with Aviva who were cheaper than the Churchill renewal and there is £75 quidco atm (I realise this will not suit everyone but you never know)
1 Like #14
It will have no affect on your renewal price if you were not to blame or went via your insurance company.
#15
"no claims" is just a percentage reward off of your renewal.

So if your insurance should be (for example) £400 with 4 years protected no claims (lets say 20% discount) then you will pay £320.

If you have an accident this will bump your renewal up, lets say from £400 to £500. You then get your 20% discount off of this price, making it £400.

A lot of people think protected no claims means that your price will not go up, it just means you keep your percentage discount
#16
Thanks guys, will try and rep as many of you as i can :)

Called the insurace company it has not affected my premiums, have looked at the comparison sites and they were more expensive surprisingly then my renewal price. Premiums have really bumped up this because of the bad weather and amount of accidents. Mine is about £40 more this year but was over £100 more on the comparison sites, thats not including the ones that use quidco
#17
Lilly_White - check your PM.
Cheers
#18
My experience shows it will affect your quote. I had a non fault claim a few years ago and I questioned the insurer why my premiums had gone up when I wasn't to blame for the crash.

The response I received was along the lines of: "even if you weren't to blame for the incident, you are more likely to be in situations where incidents take place and therefore your premiums have to rise" Basically, as I see it, insurance companies will find every which way to make money out us no matter whos to blame.

I do sort of get the idea, as potentially you could report the incident but settle the costs regarding any crash outside of your insurance time and time again..an then one day it might cost more than you have to spare and have to claim on your insurance, costing loads...
#19
RickT
It will have no affect on your renewal price if you were not to blame or went via your insurance company.


It certainly will, sadly that is the way insurers work.
#20
mine was a none fault he reversed into me said he never saw us took all the blame mine went up by 100 quid gutted
#21
linw
mine was a none fault he reversed into me said he never saw us took all the blame mine went up by 100 quid gutted


how long ago was that?
#22
greg_68
Why not try an online quote and put in there 2 versions, one with a claim and one without. See if there is any difference.


That's the way to do it, although bear in mind companies will vary.

AFAIK it's generally the way the industry does it, it's a competetive market though so someone could undercut if they thought they'd make more money in the long run.
#23
beth3735
Yes, I was in a 4 car pile up, The back driver took blame for all the cars and now im paying more for my insurance even though it wasnt my fault at all :(


Is it not the case that the guy behind you took the blame for bumping into you, but as your car bumped into the car in front your insurance would have to pay out for that.. And so on till the line ended...

something I remember someone in a similar possition a few years ago, but thing may have changed for the better..
#24
some idiot smashed into the back of our car while we were waiting to enter a roundabout.
Rear of car all smashed up, neck injuries and still in pain 3 years on.

He admited liability, as he used us as a break ( he didn't admit that.)

My insurance company said that in no way would my premiums would go up because it was a fully settled no fault claim..

my new insurance company did ask how much was the claim for, but I haven't a clue.
They don't tell you things like that do they. Or are you able to get a claims worth price?
1 Like #25
Lilly_White
Thanks guys, will try and rep as many of you as i can :)

Called the insurace company it has not affected my premiums, have looked at the comparison sites and they were more expensive surprisingly then my renewal price. Premiums have really bumped up this because of the bad weather and amount of accidents. Mine is about £40 more this year but was over £100 more on the comparison sites, thats not including the ones that use quidco


It may be worth trying the sites that don't appear on the comparison sites. For example, Direct Line can be very cheap for certain drivers in certain areas and are not on any of the comparison sites. I think that moneysavingexpert.com lists some of the companies that do not appear on the comparison sites.

You may also find that getting a quote direct can give a lower price than the comparison sites. I assume that some of the insurance companies add something on to the comparative quotes to allow for whatever they have to pay to the referral site. :roll:
#26
Has anyone else notice a rise in premiums this year? I've mine out now, have gone with the renewal price after looking at the comparison sites. They have all risen quite a bit this year

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