Why has my premium increased after a no-fault claim?
I recently had to insure a new car and was told that due to my having filed a claim in the previous 12 months my insurance premium would be £80-100 higher than if I had not made a claim. I understand that statistics show that no-fault claimers are more likely to have an at-fault claim when the accident that has happened occurred on the road and with them behind the wheel, but how can it be fair that I am going to be hundreds of pounds worse off over time as a result of someone bumping my car when it was correctly parked in a car park and I was not in the car at the time? Is there an insurer out there who understands this and treats no-fault claims depending upon the circumstance?
Asked on 8 October 2017 by Mike Wetherell
Answered by
Tim Kelly
In a word no. They will all try and stitch you up like a kipper given half the chance, what you need to do is claim the increase in premiums over the next five years from the at fault insurer. If everyone started doing this, if the ABI ever wised up, they would stop penalising consumers for incidents that were not their fault.
Interestingly, I have yet to ever see the stats that prove someone is more likely to make a claim after being involved in a "non fault" incident, perhaps the ABI could present them to us?
Interestingly, I have yet to ever see the stats that prove someone is more likely to make a claim after being involved in a "non fault" incident, perhaps the ABI could present them to us?
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