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Car insurance renewal and 'accident' last year. Is this right? I am NOT happy.

(9 Posts)
PotterWatch Tue 16-Aug-11 11:23:41

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?

Collaborate Tue 16-Aug-11 11:32:04

It's the way the insurance industry works. You should have claimed for the increased premiums when you claimed against the driver who hit you.

The rationale is that you park your car in a place where someone is more likely to hit you than elsewhere.

PotterWatch Tue 16-Aug-11 11:39:15

I can't believe they allowed to do this tbh!

How am I more likely to have an accident because some idiot was driving too fast in the ice last year (he admitted thats what he done)!!

So frustrating. It didn't even occur to me that my insurance would go up, otherwise I would definitely have claimed for the increased premiums.

ToothbrushThief Tue 16-Aug-11 22:37:43

How can you claim for increased premiums? how does that work?

marriednotdead Tue 16-Aug-11 22:53:40

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 hmm

Collaborate Wed 17-Aug-11 01:01:52

Married - better tell them now, otherwise they'll simply refuse to pay out in the event of a claim.

zipzap Sun 21-Aug-11 18:24:35

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 angry hmm.

Seems to be they are able to do it though sad

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 angry hmm

sneezecakesmum Mon 22-Aug-11 21:49:55

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.

fluffles Mon 22-Aug-11 21:54:40

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.

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