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Author: Subject: Insurance advice for non-fault claim

posted on 9/8/23 at 12:08 PM Reply With Quote
Insurance advice for non-fault claim

Could you confirm my understanding of how insurance works:

10 months ago my wife was driving my tintop as a named driver on my policy and was low-speed rear-ended by a British Gas van. They immediately admitted liability, and unfortunately my insurance company wrote off my 2k car and paid me the money promptly.

When I get quotes for a renewal, do I state that I have not had any claims, and have the same NCD (it was protected anyway), but when when I detail my wife I state that she has had a non-fault accident/claim on date xxx?

So effectively it was my wife making a claim and having the accident?

The UI doesn't really seem to encompass this scenario very well and leaves me with an uneasy feeling in my stomach, which I don't like when dealing with this shady industry.

Cheers guys.

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posted on 9/8/23 at 02:20 PM Reply With Quote
Unfortunately the claim goes against both the policyholder and the driver if they differ. If your NCB was protected, then you should still have the same number of years for a single claim within one year.

You'll notice that upon renewal, one of the questions will be "Have you been involved in any accidents or had/made any claims within the past XX years?" So the answer is yes, you've made a claim agains the 3rd party who hit you, and also your wife was involved in an accident, albeit minor.

I had my Range Rover Sport bumped into at slow speed whilst it was parked on the public highway in a designated parking bay, wife sat in the drivers seat relaxing and waiting for me. Other insurance company admitted their drivers' liability, and wrote to me with an offer of 800 to have the car professionally inspected. I took it, had the bumper scuff repaired and checked over by the local JLR specialist, and balance went towards generic service due. I have to declare that I made a claim against the other person, despite them admitting liability, and my wife has to declare that she was involved in an accident.

The insurance company will tell you that "statistically speaking", those involved in an accident (whether at fault or not) pose a greater risk for another accident. All a load of cobblers if you ask me, and an easy way for them all to jack up premiums unnecessarily.

Artificial intelligence is no match for natural stupidity!

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posted on 9/8/23 at 03:33 PM Reply With Quote
With insuraance its a 'No Claim' status not a 'No Blame' one. You have to declare the claim but mitigate it with the fact that it was a full 3rd party payout by the at fault party. You can indicate the claim, give the full cost of it and indicate that there is no blame attached and the full cost is with the other party involved. Rather surprisingly you will find that the insurance company will increase your premium a little but not as much as with an 'at fault' claim and you will keep your no claims bonus. When I questioned this they told me that if a driver has a claim although no fault their likelyhood of having another claim is increased.

Edit- typed at the same time as the other reply but sound similar experience to me

[Edited on 9-8-23 by ianhurley20]

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posted on 9/8/23 at 08:09 PM Reply With Quote
Yes, that's how insurance has worked for me (and wife).
Similar circumstance, my wife was waiting at a red light junction, to be hit by a HGV 'driven' by a professional phone zombie. Car was pushed across the junction into moving vehicles with results that you might imagine.
Her car written off (160,000 mile 15 year old Corsa 1.8), other cars too (all quite new though), so quite a mess.

No fault, but boils down that she was involved in an accident and therefore more at risk f having another one....... premiums up.

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posted on 10/8/23 at 08:34 AM Reply With Quote
Thanks guys - that's cleared things up for me.


When I questioned this they told me that if a driver has a claim although no fault their likelyhood of having another claim is increased.

Yes as unfair as this sounds I think I agree with it. My mother used to work on an industrial estate full of HGVs and despite everyone parking their cars legally the number of 'non fault' claims was astonishing. Some people are just good at putting themselves in harms way.

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