I have just renewed my car insurance and have received a letter from my new company telling me that there were serious non-disclosures at the time my policy was incepted. They have checked my "claims history with my old company and they have revealed the correct claim information is"..
in December last year a driver hit my parked car outside my house. Nobody was in my car. My car was damaged and had to be repaired. Everything went through the other drivers insurance and it was his fault and he admitted it. No problem.
It didn't even occur to me to mention this when renewing my insurance but now they have put my premium up because I am now a higher risk driver because my car has been in an accident.
How can I be a higher risk driver when I wasn't even in the car, plus I didn't claim on my insurance, which is why I have quoted above what the letter said, it went through the third party insurers.
Now I have to mention this for the next 5 years and my premiums are going to be higher (according to my new insurance company).
Is this really right? It doesn't seem like it to me. How can I be a higher risk driver when I was in my house and someone hit my parked car?
Am watching with interest as I've just renewed with a new company. I answered all questions truthfully but only remembered about my 'accident' afterwards. Some plank trashed my parked car which is fixed now but classed as a cat C write off
We had this after some old geezer drove into dh in a car park without looking. Despite his taking the full liability and despite having no claims protection our costs still went up as apparently we now have an increased risk of being in another accident .
Seems to be they are able to do it though
Didn't know you could claim for increased cost of premiums though - they kept that bit of info very quiet despite being happy to farm it all out to extortionate accident management company for the hire car and repairs
Its absolutely true, not fair, but you must disclose everything, even the colour of your underwear I think! They will take the tiniest non disclosure as a reason not to pay out, different snow tyres for instance, not an accident, but a variation on the standardisation of the car. Tyres for heavens sake!
Possibly if you had disclosed and found out their premium you could have gone elsewhere and got a better deal, but theyve got you hooked now so can bang on what they like.
I am forever having to tell my insurer DH has another speeding fine, so don't forget your named driver doing naughty stuff either.
it's true, because if one driver has hit your parked car outside your house then they reckon another is more likely to do it too - maybe it's a narrow street, maybe it's a funny corner, maybe it's because who knows? - but they reckon that their stats will show that they're justified in charging you more.