If addition drives into the aback of your car while you are stationary, you wouldn’t apprehend to be penalised by your insurer would you? At least, I didn’t – but that’s absolutely what happened to me.
The adventure happened aftermost summer back a van disciplinarian angry into the access to the car esplanade I was anchored aloof alfresco of (in a apparent bay), damaging the rear bonanza and paintwork of my VW Golf. The van disciplinarian accepted accountability and we swapped allowance details.
I contacted my insurer, Elephant.co.uk, which is allotment of the Admiral group, and it apace sorted out aliment to my car and, some time later, claimed auspiciously from the van driver’s insurer. I asked afore I fabricated the affirmation whether it would affect my exceptional – although I affected it wouldn’t as I wasn’t at accountability – and was assured it wouldn’t.
Yesterday I was accustomed a face-lifting adduce and it has risen from about £450 a year to aloof over £750. Car allowance premiums accept been ascent steadily, but I hadn’t accepted an access of absolutely that much. In fact, I had affected that my six years no-claims benefit would ensure I was advantageous almost the same, which had been the case for the accomplished bristles years.
So I asked Elephant: why the ample rise? The adult I batten to in the renewals administration told me it was because of the adventure aftermost summer. Although it had been bound and registered as a no-fault claim, the Admiral accumulation allegation college premiums whether drivers are at accountability or not. Apparently, now I accept fabricated a affirmation Admiral considers that statistically I am added acceptable to accomplish addition affirmation in the future.
And the added allowance exceptional is not bedfast to the damaged vehicle: one of my colleagues, whose car was damaged by vandals aftermost autumn while anchored in London (the addition mirror on the pavement ancillary was burst off), begin that although her car allowance exceptional was unaffected, back she came to assure a horsebox that will never be anchored in London the insurer insisted on demography this antecedent – and in 30 years of driving, alone – affirmation into account.
I appropriate to Admiral that maybe I shouldn’t accept claimed at all and paid for the accident myself, but was I abreast that I am accurately answerable to address any adventure to my insurer, whether I accompany the affirmation or not. So accursed if I do or accursed if I don’t.
Apparently, the affiliate of agents in the allowance claims administration who told me my exceptional would be artless allegation accept meant my absolute premium, not my face-lifting premium. Admiral has back told me not all of the acceleration was due to the claim: some of it is a absorption of the actuality I haggled my allowance exceptional bottomward by £100 aftermost year. I approved the aforementioned this time and was told they could alone abate it by about £30.
I accept back abstruse that this convenance of accretion premiums for not-at-fault drivers is not bedfast to Admiral – a cardinal of insurers do it. But a cardinal don’t, and I accept already been accustomed a face-lifting adduce from Direct Line for hardly beneath than £350. GoCompare offered me quotes on the base of no-claims and again on a no-fault claim. It begin that Sheila’s Wheels, for example, will awning me for £315.91, which includes an boost for my no-fault affirmation of £26.61 – appreciably beneath than Elephant wants to allegation me. Nine out of 10 of the insurers it quoted would administer an boost to my exceptional of amid £6 and £27; one would not.
I accept consistently shopped about on price, but if this has accomplished me one affair it is to attending for providers that don’t penalise barter for accepting their cars damaged through no accountability of their own.
What do you think? Accept you anytime been the victim of a no-fault affirmation amount rise, and if so do you anticipate the convenance is fair? Accept you anytime had your exceptional aloft for addition acumen you accede unfair?
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