Had an email from my insurer a couple of days ago as it's renewal time. They have said they can't find an insurer to insure me so my cover will end. 

 

I've been and looked on comparison sites, and I'm astonished. I'm looking at paying monthly and whereas usually my quotes are around £600 a year now they are between £900 and £1500! I had 3 non fault accidents last year, 1 I claimed off the other party, one I did through my own and they have been paid out by the other party and one (the first) which my previous insurer is still trying to get resolved, probably through court. 

 

I think it's unfair that I'm being penalised because I was driven into 3 times. My NCB hasn't been affected and the 2 later ones have accepted liability and been closed! 

 

Grrrrr

Hi, car insurance is a necessary evil, a license to extract even more money from the motorist's 

 

it it may pay you to go back and re submit you details without the 2 settled claims and compare prices the ring up the quoting companies ask for the ' duty ' manager and ask why they justify the difference

 

alternatively go to an insurance companies ' shop ' where you put you claims details to a human being it may just make a difference 

 

good luck though 

Hi,

Have you tried ourselves for insurance at all?

Regards,

Dan.

We'd be happy to offer you a quote Chris under the sponsored Briskoda Insurance scheme - 0800 819 9320 (and you'll gain automatic entry in our BTCC ticket draw).

 

best,

Nick

With 3 claims even no-fault I'm not surprised you're insurance had gone up but to triple seems a lot.

The unsettled claim will be on your record as an 'at-fault' or 'joint-fault' until the claim is finished.

That happened to me with an uncontested no-fault claim. Because my company hadn't recovered my excess they classed it as a fault claim, even though they had waved the excess because the other party admitted fault.

 

Statistically the companies may be assuming that you are a person that puts themselves in situations where accidents are more likely. Or it may be that because your broker cannot cover there is some other assumption happening there.

Underwriting and pricing models are statistic-driven.

 

If, say, the OP is a 30 year old male in postcode SN1, it might just be something as simple as a disproportionate number of at-fault claims having been made by 30 year old males in postcode SN1.

 

A threshold is reached and all of a sudden the computer gives the Family Fortunes <err-err> noise.

 

Very unfair but it's the price we pay for allowing computers to auto-generate fast quotes.