I was involved in a no-fault accident, so why has my premium gone up?

I was rear ended while sitting stationary. Why then am I penalised with higher premiums ?

Asked on 30 July 2024 by Stephen Hotchkiss

Answered by David Ross
An accident where your vehicle is damaged through no fault of your own is one of the most frustrating experiences in motoring, and is compounded by the fact that it usually results in increased insurance premiums. Put simply, although you were not at fault and presumably did not make a claim on your own insurance, you have been involved in an accident. However unfair this is, in the eyes of insurance companies this means you are a higher risk driver than someone who has not.
Similar questions
If someone damages my car while it's in a car park (public/private) or on the public road and their insurance pays for the damage, do I need to declare this accident on my insurance renewal?
To insure our Fiat 500C last year was £209 but this year the lowest quote anywhere is £354. That's with no changes or claims. Please can you explain this 70% increase?
I have received my annual renewal quote for insurance. It is £20 more than last year which I had anticipated but on top of the quote was a £20 admin fee for processing the renewal. Is this the norm these...
 

Value my car

Save £75 on Warranty using code HJ75

with MotorEasy

Get a warranty quote

Save 12% on GAP Insurance

Use HJ21 to save on an ALA policy

See offer