OK, here is the story... My car insurance is due for renewal at the end of June and the renewal premium is £1,000 more expensive than what I paid last year !!!!

After calling them, it turn out that this increase is due to the fact that back in last october, a guy run into me while I was waiting to engage into a roundabout. I was stopped and he run into the back of my car. Only damage to it was two sensors for the parking aid.

Because the car was going into service two days later, I paid £130' something to have them fixed and passed on the bill to the insurance company to claim it back.

So this incident, for which I was in no way responsible turn out to cost me an extra £1,000 on my insurance premium because I wanted to claim back £130 for something I was not responsible...

Is it me or something does not sound right???

Also, beeing french and despite beeing in London for over 10 years now, what is the point of paying to protect your no claim bonus if it is to see premium increase like?!?!?!?


After calling them yesterday, they manage somehow to reduce the increase to an extra £600 only (!)....

Going on comparaison websites actually gets me higher premium if I state one claim in the past 5 years (!)... It just feel not right at all....


Any suggestion??? Range Rover Vogue ‘17 TDV6

Gone: Range Rover Vogue '11 4.4TDV8, Range Rover Sport ‘59, Range Rover Sport ‘56

If you make it clear to your insurer it was a no fault claim then it normally sets the record straight - you are allowed to claim (obviously) but the no fault terminology needs to be used....

Muppets

The comparison websites possibly do not account for that, the no fault condition

MAW wrote:

If you make it clear to your insurer it was a no fault claim then it normally sets the record straight - you are allowed to claim (obviously) but the no fault terminology needs to be used....

Muppets

The protected NCB only protects the discount not the premium, having an accident will increase your risk

ask what your premium would be if you paid them back the £130 and removed the claim? and find out if they have bothered recovering the monies from the third partys insurance

npinks wrote:

The protected NCB only protects the discount not the premium, having an accident will increase your risk

ask what your premium would be if you paid them back the £130 and removed the claim? and find out if they have bothered recovering the monies from the third partys insurance

Not suggesting you necessarily go with them, but have you tried getting a quote over the Internet from Direct Line? They have quite a few descriptive items in the drop-down box where you detail any claims, including 'Third Party Vehicle/Object Hit You - Recovery Made' and 'Third Party Vehicle/Object Hit You - Recovery Outstanding'.

As you say, it may be something to do with the recovery still being outstanding. Try selecting both options in turn and see what difference it makes to the premium.

At least if you do get a sensible quote from Direct Line you can use it against the other insurers to get their premiums down too. Alfa Romeo Giulietta 1.8::MG Montego Turbo::MGB GT::Rover Sterling::MGF::MG ZT 190+
Discovery Series II Td5 GS::Discovery 3 TDV6 S::Freelander 2 TD4 XS::Freelander 2 TD4 SE
Range Rover Sport TDV6 3.0

Last edited by NightFox on Thu Jun 03 2010 8:52am. Edited 1 time in total

sound advice...Thanks Range Rover Vogue ‘17 TDV6

Gone: Range Rover Vogue '11 4.4TDV8, Range Rover Sport ‘59, Range Rover Sport ‘56

Ah... if the claim is still open then it is not attributed a no fault until accepted and closed by the other party, taking your claim back doesn't work either....

Ask what your premium would be once the no fault is accepted, you'll then possibly pay the addl now but have the correct renewal rate restored once the claim is closed

Direct line just tried to put my renewal premium up by £100 because i got an sp30 gatso job. Went on meerkats and got it £100 cheaper, with 50% less excess, NCB protected and all the other bits from ASDA Insurance. Now thats "Asda Price"

You're lucky ... SMWBO's D3 costs more than 2,500 euro per annum to insure over here.  Every silver lining has a cloud

2007 D3 HSE with winch, RAI, sliders, roof rack, ladder, yellow top, Engel etc for the school run
2010 RRS TDV8 HSE for work

and 500 if she takes U off the policy!!!

Think insures have moved the posts now, its not whos at fault but who has paid. If the other insurers do not settle goes against you. Know from experience Insurance co will guess which way it is likley to go when re newal time comes up.

#Take it you did not have Protected no claims with them.

lespes wrote:

Think insures have moved the posts now, its not whos at fault but who has paid. If the other insurers do not settle goes against you. Know from experience Insurance co will guess which way it is likley to go when re newal time comes up.

#Take it you did not have Protected no claims with them.

As discussed on many occasions the main factor to any premium, renewal or new, is your post code, history and the risk associated

You could have the best driving / insurance history in the country but if you live in Moss Side unlucky