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    Just been in an accident that wasn't my fault, and it has made my car insurance go UP!!

    I can't believe this! I've just done 2 sets of car insurance quotes with the comparison sites, one declaring an accident that wasn't my fault (all costs and excesses claimed off other party) and one without (just being curious) and nearly all insurance companies offered a £50 difference in my premium!

    How ridiculous, there was no way I could have avoided this accident (I was stationary waiting in a queue of traffic) and yet I am now footing the bill for the other person's mistake, probably for the next 5 years! Surely if I am not to blame, they should try to recover money from people who've been at fault?!

    13 Comments

    Thats normal, lol

    They use stats. If you've been involved recently in an accident, you are more likely to be in another sooner rather than later.

    It sucks.

    I did comparisons a while ago from my house & my parents house.

    My parents live in a private house about a mile from me, whereas I live in a council estate.
    The difference was £200!! :shock:

    Banned

    u have just been in an accident and you decide the first thing you wanna do is compare the market.....

    well.....i say

    Original Poster

    Oh and to make matters worse, the other guy wanted to settle outside of the insurance companies. So I get 3 quotes for the damage (only cosmetic, thankfully) varying between £300 - £600 and tell him I won't bill him for a courtesy car as I'll just take 3 days off work. Phone him today and he says he can't afford £300 so gonna have to go through insurance after all! Does he not realise that after his excess and increase in premium (I'd dread to think what his is gonna be like) that he'll have to fork out a lot more than £300?

    Original Poster

    hncb0809;7519915

    u have just been in an accident and you decide the first thing you wanna … u have just been in an accident and you decide the first thing you wanna do is compare the market.....well.....i say



    Yeah I wanted to know how much this guy has cost me in the long run. It wasn't a bad accident!

    an insurance company once said to me "its no claim, not no blame" !!!

    My car was nicked from a semi secure car park and my insurance went up - thats life

    You need to get him to admit liability, then you claim from his insurance not yours....
    At least I think thats how it works...it's happened to me and my insurance didn't change at all...I was with Halifax at the time.

    Original Poster

    bellabonkers;7519975

    You need to get him to admit liability, then you claim from his insurance … You need to get him to admit liability, then you claim from his insurance not yours....At least I think thats how it works...it's happened to me and my insurance didn't change at all...I was with Halifax at the time.



    He has admitted full liability, in front of a eye witness as well and I have claimed from his insurance but that hasn't made any difference; my insurance premium has still gone up!

    Banned

    bellabonkers;7519975

    You need to get him to admit liability, then you claim from his insurance … You need to get him to admit liability, then you claim from his insurance not yours....At least I think thats how it works...it's happened to me and my insurance didn't change at all...I was with Halifax at the time.



    Yeah you still have to declare it as an accident which will put your premium up regardless.

    flyingflea;7520001

    He has admitted full liability, in front of a eye witness as well and I … He has admitted full liability, in front of a eye witness as well and I have claimed from his insurance but that hasn't made any difference; my insurance premium has still gone up!



    Nothing you can do then, perhaps I had no claims protection at the time...I don't really remember it was a few years ago.

    Original Poster

    bellabonkers;7520066

    Nothing you can do then, perhaps I had no claims protection at the … Nothing you can do then, perhaps I had no claims protection at the time...I don't really remember it was a few years ago.



    no claims protection wouldn't have made any difference. I'll still have to say I've been involved in an accident for the next 5 years but was not at fault, which will increase my premium (currently by £50).
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