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Why has my insurance been increased for a no-fault claim?
You have often advised against protecting no-claims discounts as companies price in your claims history anyway. How about this: I recently renewed my insurance through a comparison website and chose Hastings Direct. When I looked at the policy document I realised there was a claim missing. Our motorhome, which was insured in my wife's name, was hit by a drunk driver in the middle of the night while parked up. The police gave us the driver's details and their insurance company settled the claim without problem and my wife's insurers acknowledged it as a no fault claim. When I told Hastings Direct they asked for £27 - about 15 per cent of the original cost of the policy. Where is the sense or justice in that?
Asked on 15 June 2013 by DL, Sandown, IoW
Answered by
Honest John
Nothing to do with justice and everything to do with underwriting risk. Underwriting stats show that people involved in claims whether at fault or not at fault are more likely to be involved in further claims than those never involved in claims.
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