Hi all,

basically someone reversed into my wifes car in a supermarket carpark its looking like a 50/50 claim for both insurance companies as we cannot prove the other chap was at fault.

i just thought i would do an online quote for an idea on prices.

normal quote for reference is £450 with 10years ncd

non fault non claim is £593 with 10years ncd

fault claim 50/50 split £690 with ncd

i have fully protected NCD so they will remain but how can an insurance company charge me more for the non fault non claim situation as its not costing them anyything nor is it any fault of mine that someone else has bumped into us.

so for 2 cars for 3 years a non fault bump could cost us £1200+? that cant be right

i have fully protected NCD so they will remain but how can an insurance company charge me more for the non fault non claim situation as its not costing them anyything nor is it any fault of mine that someone else has bumped into us.

so for 2 cars for 3 years a non fault bump could cost us £1200+? that cant be right

I've no idea why but my recent no-fault claim hasn't affected my renewal or quotes at all which was a pleasant surprise.

Edited 11 June, 201016 yr by Aspman

Similar situation, I had a small bump reversing a LWB Transit PO van into some muppit that had parked directly behind it between me getting in and setting off, (rant, there is no public parking on site and they parked in the middle of the yard and not in a bay in anycase) To cut a long story short RM accepted liability with a fault claim against my record so I got a letter saying I should inform my insurers etc as I had been involved in an accident. My Insurers at the time (through a broker) said it was of no consequence, not against my policy etc etc.

When I changed companies and went with one of the 'mass market' companies a couple of years later I ended up paying a £50 premium for this bump, and when swmbo then changed companies (from same broker) and also declared it she got penalised £20. We both queired the increases based on the fact that previous company had not been bothered. The answer I got was that the new company (more than ) where low risk insurers and if you have had a claim or accident regardless of fault/ and wether you made a claim or not against any policy then statistically you are more likely to make another claim in the next 5 years. They still came out cheaper than the original broker price though. (obviously my ncb was not effected).

I've no idea why but my recent no-fault claim hasn't affected my renewal or quotes at all which was a pleasant surprise.

I take that back they're trying to stiff me now.

its an complete joke! not happy at all that my insurance is going up 65% due to one claim in 10 years and thats with protected no claims!! grrrrr

You are not protecting your level of premium - it is the base premium that increases if you make a claim. All you are doing is protecting your NCB, so you will still get a NCB reduction, but off a larger figure.

Kenny, mine went up 60% with no incidents whatsoever. The market is going crazy. Although I'm sure I can get it down by shopping around it will still be at least 40% up in a year.

The premium for my superb has jumped dramatically this year, as have all insurance premiums. I reckon its at least 40% more this year than last year although thats with the same insurer.

My 12 month premium including max NCB, business use, 20K miles per annum, garaged, 42 years old, no points, remapped is £550.

see mine had stayed the same and still does when i reqoute until i add on the bump :( its getting me so annoyed! that plainly for 1 wee bump they are making £2k over 3 years from both of us

Was your misses parked or moving?

If parked, then surely it's a case of telling your insurance co to get stuffed.

If not ask your insurance co about talking to their legal dept, because you'd like to consider your options.

Very often the location of damage vs peoples claims of innocence soon undo their innocence.

she had reversed out of space and was in 1st gear, moving off and a guy managed to reverse out and hit her. sadly tesco have been very unhelpful with cctv. she has audio and visual parking aids that didnt go off when reversing and had disengaged as she was pulling off

she had reversed out of space and was in 1st gear, moving off and a guy managed to reverse out and hit her. sadly tesco have been very unhelpful with cctv. she has audio and visual parking aids that didnt go off when reversing and had disengaged as she was pulling off

Where did the cars hit, if it's his boot to your side or wing, then I'd be tempted to push the insurance as that's pretty conclusive.

see mine had stayed the same and still does when i reqoute until i add on the bump :(

Statistically if you're involved in an accident (even if it's not your fault) then you're more likely to be involved in another accident, hence the higher premium. Don't think it has any basis in science, it's just based on the analysis of accident statistics.

Ran exactly the same "test" quotes as you after someone bumped into the back of my car at some traffic lights and found it made about £60 difference (on a ~£600 premium). Annoying when, as you say, it costs you over a number of years for something which someone else inflicted on you.

its just annoying when i have 10years no claims then this. just the principle.

both cars were hit straight on in the middle of the bumper

I'm amazed yours hasn't gone up anyway, but it's no surprise a bump affects the base premium regardless.

Talking of annoying, I can't easily prove my full NCD because I've shopped around over the years, the renewal notices have changed how they display the NCD, one said '75%', that swapped to 'max 5years' etc., so my current company now starts adding 1 year at a time to 5 years (which was the max. the previous company ever recorded) whereas in fact I have over 20 years NCD!

i live in scotland in a low risk area so not sure if that helps more with lack of rise