does anyone have experience of making a 'no fault' car insurance claim?

[CassianAndor]

A young joyrider crashed into the back of my parked car the other day. My insurer has said it is a 'no-fault' claim and thus won't affect my no claims bonus but I have no discovered that they will still take it into account when renewing and my premium might go up. They are unable to tell me if it will or won't.

Does anyone have experience of this - did it increase your premium?

(I am claiming against my own insurance - the boy wasn't insured (only 15) and the motorbike was stolen.)

I had a new tyre blow out on the motorway and my car was a write off. No other vehicle was involved.
Although my NCD was protected my insurance almost doubled due to admin stuff.
I changed insurance companies (after 25 years) and got a much cheaper policy than my original.

Do you have uninsured loss protection? It didn't help me this time, but years ago I was hit by an uninsured driver (who later on torched my car outside my house) and I got paid out and my premium wasn't affected.

thanks cherry - my car is perfectly repairable so hopefully not much admin!

I don't think so - I mean, they didn't mention it when I spoke to them (they know it was a joyrider, they have the crime ref number from the police).

If he went into you and he wasn't insured this would normally be a fault claim for you (cos he doesn't have any insurance to claim against) so if they're saying it's a non fault they must do one of those special things where they protect you against non insured drivers.

Re the price of policy etc whether you make a claim fault or non fault yes it probably will make your premium go up. How much by they won't be able to say till renewal but it depends on the type and how much the claim was for etc. That's just how it works unfortunately

yes, it looks like it will, I'm with Admiral who seem to be bad for doing this kind of thing www.thisismoney.co.uk/money/cars/article-3052191/How-drivers-insurance-costs-soar-no-fault-accidents-don-t-claim.html

Really frustrating, I don't know which will leave me more out of pocket.

Yes, my car got landed on by a deer that jumped a hedge. The bonnet, one light array and the windscreen were damaged.

The insurance co agreed it was a no fault claim and paid for repairs. My renewal the following year was £7 more, where everything else was the same. That was Direct Line about 10 years ago.

Blimey!!!

I can live with £7.

One incident of parking on my street for 15 years. One incident!!!

.

This happened to a man in my team. No fault claim last August, due to renew in April this year. He was dreading it and thinking it would double etc. His renewal was £1.30 more pcm! He couldn’t believe it and even rang them to query and say “there was that claim in August” but they had included that. So it’s not always bad news.

And now, if anyone I work with is on here they will all know as we’ve talked about this a lot! There can’t be that many people who’d ring up and say I think my insurance renewal quote is too low...

that's good to hear - I just wish Admiral could have said one way or the other so I could do an effective cost comparison.

They literally don't know till it comes to renewal

I’m with admiral with ongoing non-fault claim ( now going to court) and they quoted nearly £200 extra at renewal

I had to put through a "no fault" claim last year with Churchill. They told me it wouldn't affect my policy renewal because I had protected No Claims Discount. When renewal came around, the policy only increased slightly by maybe £10/£20.

I did a quote comparison in any case and found that Aviva ended up £100 cheaper even with the recent claim which I, of course, had to notify them of.

I found that some car insurance providers don't seem to give you the option to say that a claim is a "no fault" claim.

Even after switching to Aviva, Churchill continued to deal with the claim which is now settled. No problems at all and I was very happy to save money by switching - don't feel that you have to stay with your current provider just because a claim is in the pipeline.

Not sure why they are calling yours a "no fault" claim, unless you had some special add-on, on your policy.
Insurers speak a different language from the general public. When our parked car was hit (they drove off, so no-one to claim against), it has been marked as a "fault" claim on our record ever since, even though clearly it wasn't "our fault", but we are told what that means is 'there was no-one else to claim against so you take the hit' (sorry for pun).

purple how can they not know? They know what the accident was - that's not going to change between now and renewal. Do they assume that because a joyrider crashed into my car damn near fatally (could be fatally by now for all I know ), for the first time in 15 years, there's going to be a spate of joyriders on my road?

Its likely that Admiral will class your claim as a fault one as they wont have been able to recover their outlay. Strictly speaking they can but its whether or not they bother - the insurers of the bike are legally obliged to pay out.

Back I don't know. Because there's a crime ref number?

the bike was stolen. The joyrider is 15.

If the bike itself has insurance the bike insurers have to pay out under the Road Traffic Act, regardless of it being stolen.So your insurers will pay out for the damage to your car then claim it back from the insurers of the bike. If your no claims bonus is protected your insurance may only go up a little bit if its not protected your bonus will be affected until they get their money back. The rates for premiums can change every month that's why they wont be able to give you a figure.

oh really? So I should pursue the bike owner? I don't have the reg but presumably the police do.

With regard to the premium - surely the insurer has criteria for putting a premium up due to a claim? So they know that X kind of claim results in a Y% increase? No?

sorry - should have said, Admiral have already told me they will treat this as a no-fault claim.

Admiral should pursue the insurers of the bike, you should not need to.But it's not always straight forward when a vehicle/bike isn't insured the other insurer may not have to pay out until a summons is issued (accidents where one side is not insured can get complicated). Who is recovering your excess for you ? Admiral could give you a rough idea regarding premium but they wont want to as customers then hold them to it, it also depends how far away renewal is, e.g - if its next month yes then they probably will have an idea, 11 months away then no they cant tell.

I'm doing this as a claim against my own insurance so I'm paying the excess. It sounds like I've done this all wrong.

When you say summons, do you mean a court summons for the joyrider? He is in a coma in hospital.

No , you haven’t done it all wrong at all you have reported it to your insurers that’s what you should have done. I’m jumping the gun by mentioning summon’s , so dont worry about that . You will need someone to claim back your excess for you , you won’t automatically get it back , have you got legal cover ?