Insurance, again.

[Polarbear]

I witnessed a little prang at a roundabout today. Lady in a little city car had one of those big american type pickups go into the back of her at a roundabout. Totally not her fault but those bull bars didn't half make a mess of the rear of her car.

But it got me thinking. (stop smirking).

I have heard that no fault claims put your insurance premium up. If, as in this case, you are in the right and there is someone to claim off, would you still get a hike in your premium? Is it still classed as a no fault claim?

Just a purely random query brought on by a woman ranting at the pickup driver about insurance.
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Triumph Trophy Launch Edition

[Nobby the Bastard]

You can claim for the subsequent increase from the driver at fault, if you can quantify it....
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trevor saxe-coburg-gotha:"Remember this simple rule - scooters are for men who like to feel the breeze on their huge, flapping cunt lips."
Triumph Sprint ST 1050

[Polarbear]

[P.]

I see decreases year on year, I haven't had an accident in a while but I have never had an 'increased' visible premium, even with a no fault 1/4m claim. Obviously it could work in this way;

Year 1 £1500
Year 2 £800

Year 1 £1500 no fault claim
Year 2 £900

But again, I don't see anything but lower premiums

Same with points, I get lower prices.

Perhaps I am an anomaly, but I don't think I am.

That said declaring my Almax when I got my GSXR insurance increased the price

[Freddyfruitba...]

[Evil Hans]

[MCN]

[Prawny]

Professional insurancer here hi!

Your premium ‘shouldn’t’ go up directly because of a non fault claim, but there are some scenarios that would.

1. If the crash is near your renewal date while they decide who is at fault they’ll step back your ncd and sting you there, you should get this back once fault has been established.

2. As someone else said, if you’re driving an uncommon car it’s going to bring up the average claim frequency for that model which the really big brains would look at.

3. You’re with a shitty insurer that will take any opportunity to rinse you for extra premium, in my limited experience a lot of motorcycle insurers fall into this bracket, if they’re charging £20+ admin fee for changes £45+ cancellation fee all on top of a policy arrangement fee (they’ll be taking commission too probably as they’re not composite insurers) then they’ll be counting fault and non fault claims the same and only ncd will make a difference.


I’ve got no solid evidence for number 3. But it’s the sort of thing I’ve heard and wouldn’t be surprised from my dealings
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Yamaha Vity 125 (gone) Kawasaki ER6N(dead) 2022 Royal Enfield Meteor 350 (nicked) 2003 DL1000 V Strom