Do non fault claims bump up insurance?

[Jefr0]

Hi all

I've got my renewal coming up in April, currently with 8 years no claims, age 24.

Now in November....and December I had non fault accidents.

The accident in November, was 100% other party at fault and admitted full liability (no battle) and is now complete, all paid out.

The accident in December, was again 100% other party at fault and admitted full liability (no battle) I've had a payout for the bike, but not for the injury yet so it's still on going, should be sorted soon.

Now when I come to renew in April with 8 years no claims, but with 2 non fault claims, will it affect my premium even though it wasn't my fault?

Has anyone had experience in the same situation?

Cheers

Jeff
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Rides: Honda XR 125 ('03) Honda CBR 600F ('91), Ducati 916 Biposto ('95)

[Imonster]

[arry]

Short answer is yes, the algorithms in the pricing model will load for 2 non fault claims.

[G]

Yes they can.

Also, if it's unresolved and listed as such, it can quite significantly bump it up, I believe.

[arry]

[G]

But also, in my experience, if the claim isn't settled it can bump it up a chunk regardless of the no claims - for example, if it was for a different vehicle with a different 'stream' of no claims.
May be better if you can talk to them and explain liability has been agreed.

[DrDonnyBrago]

I have one non fault claim (a guy hit my parked car), it pushed my last car policy up £50 but my bike policy is unchanged (i.e. comparing the premiums with and without the claim listed).

[FirebladeRuss]

[Rogerborg]

[Pete.]

Having an unresolved claim is treated as having a fault-claim against you, until it is resolved in your favour you're going to get loaded.
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a.k.a 'Geri'

132.9mph off and walked away. Gear is good, gear is good, gear is very very good

[Jefr0]

Thanks for the replies.

Guess I'll have to speak with them and make sure it's sorted out properly.

I'll also query the claim about future premiums which was mentioned above with my legal team for the insurers.

Sucks though that something that wasn't your thought seems to affect you
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Rides: Honda XR 125 ('03) Honda CBR 600F ('91), Ducati 916 Biposto ('95)

[antwhiting]

i believe that even if you have fully resolved 'non fault' claims on your file you are still deemed as a higher risk for even being hit in the first place.

Used to work for Liverpool Victoria a fair few years ago and heard this spiel being used on the odd occaision.

utter bullshit. Im sure if you question your insurer, they will just blaim the increase on annual inflation!
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2011 Honda PCX 125

[arry]

[G]

[T.C]

[rtho782]

It does tend to increase premiums, and it does kind of make sense.

Let's say a car pulls out in front of you on a national speed limit road. You were doing 60, you hit it.

Obviously, it will go down as 100% his fault and you will not lose your NCD.

On the other hand, had you chosen to do 30mph, which could be a more appropriate speed for the road, or been aware enough to stop as you expected him to pull out, or been able to avoid him due to your awesome knee down skills and reactions, you could still have avoided the accident.

Just because it's his fault doesn't mean that a more defensive driving style on your part could not have averted the accident.

Let's say your car is hit when parked. You might have parked it just around a blind bend, or on the approach to a junction, or on a busy road. You could have parked completely legally, but the fact that you parked on the road rather than spending hours hunting for a space, could increase the risk of you being hit.

Your bike got stolen in a rough area of town? Another driver may have never gone to such a rough area of town where their bike got stolen, and so they are a lower risk.

No fault claims are, by legal definition, not your fault, but overall on a statistical basis are an indicator that you are not as risk averse as someone without no fault claims.

For this reason, insurance companies tend to legitimately find that people that have no fault accidents are more likely to have accidents in the future, which could be fault claims.

[G]

Indeed - and even for cases where you're not in the car - if you have had multiple of these, it suggests you're perhaps leaving it in dodgy areas where it may also be likely to be stolen, etc.

I presume there is a statistical correlation between those that have non-fault accidents and go on to make a claim.

[Walloper]

To affect your NCD you have to lose £££. Minimum lose would be what ever your excess was/is.

I may be wrong but it was once the case that when hit and the damage was not your fault you seek the cost of repairs to your car from the others insurer.
If you make a claim it counts as a claim. Importantly, insurers offer NO CLAIM DISCOUNTS not NO BLAME DISCOUNTS.
In any case you will be out your excess. Your excess will be paid by the third party who was found at fault.
When you recover this (Uninsured Loss) and evidence of this passed to your insurers your NCD should not be affected by the claim you make.

But, as said, if you are a pr*ck/accident prone/careless and make repeated claims you will be in the headlights. And may have loadings applied.
Insurance Underwriters may be many things but stupid is not one of them.
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W-ireless A-rtificial L-ifeform L-imited to O-bservation P-eacekeeping and E-fficient R-epair

[goto10]

Pretend you are an insurer, you have two people to insure - one of them has had zero accidents in 10 years. The other one has had 25 non-fault accidents in the same time-frame. Who do you think you'd favour with the lower premium?
The point is that although an accident can be non-fault, it doesn't mean that you didn't put yourself in a precarious position in the first place. It stands to reason that someone with absolutely no accident history is probably the better and/or more observant rider/driver.
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'12 NC700S & '12 CB600F Hornet [Stolen by some dickless twat] Suzuki GT500 shed

[ride_to_die]

My insurance went up £30 for a non fault claim.
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I'm not here for a long time, I'm here for a good time.

[arry]

[Walloper]

[junglejim]

[Llama-Farmer]

How far does the claiming for premium increase stretch?

I mean your premium could be affected for several years, how do they calculate your compensation for that?

[Walloper]