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Struck by uninsured driver -
My wife was involved in car accident. The other vehicle hit her from behind whilst queuing at traffic lights. She exchanged details with the other driver and reported the incident to the Police. It has taken our insurance company over five months to confirm that the other car was not insured.
They have reported it to the DVLA, but they don't have the keeper's information for the car on the date of the accident. Fortunately my wife's excess is only £100 and so not a big issue.
However, despite having our no claims bonus protected, our renewal has increased by over £200. Is this correct? Surely if my wife was struck from behind whilst stationary she cannot be held responsible?
They have reported it to the DVLA, but they don't have the keeper's information for the car on the date of the accident. Fortunately my wife's excess is only £100 and so not a big issue.
However, despite having our no claims bonus protected, our renewal has increased by over £200. Is this correct? Surely if my wife was struck from behind whilst stationary she cannot be held responsible?
Asked on 12 June 2014 by Derbyshire01
Answered by
Honest John
This should not be recorded as a fault claim. It has been because your insurer was unable to claim from the other driver's insurer because he did not have one. But it would still affect your insurance. See item I wrote for the Telegraph last Saturday:
I have never received a satisfactory explanation from insurers as to why, after a claim, a policyholder with a 'protected no claims discount' still finds his or her premium going up by considerably more than the normal annual increase.
A 'reasonable man' would think that if he paid extra for his insurance premium 'no claims discount' to be protected, then he would not see his premium hiked considerably after a claim, whether the claim was his 'fault' or not.
I've been offered the argument that the claim makes the policyholder a statistically greater risk, so his premium thereby rises considerably, and his 'protected no claims discount' then brings it back to a smaller increase.
But that still makes no sense to me. A 'protected no claims discount' should be what it says on the paperwork.
Because car insurance in the UK is compulsory, it’s crawling with crooks and unnecessary complications, very few of which make any sense other that to provide income for the leeches that feed off them.
The UK Insurance business should be torn up and reformed along the lines of other countries where cars are insured rather than drivers, then ridiculous situations such as visitors to the UK not being able to get insurance to drive their hosts cars would not arise.
I have never received a satisfactory explanation from insurers as to why, after a claim, a policyholder with a 'protected no claims discount' still finds his or her premium going up by considerably more than the normal annual increase.
A 'reasonable man' would think that if he paid extra for his insurance premium 'no claims discount' to be protected, then he would not see his premium hiked considerably after a claim, whether the claim was his 'fault' or not.
I've been offered the argument that the claim makes the policyholder a statistically greater risk, so his premium thereby rises considerably, and his 'protected no claims discount' then brings it back to a smaller increase.
But that still makes no sense to me. A 'protected no claims discount' should be what it says on the paperwork.
Because car insurance in the UK is compulsory, it’s crawling with crooks and unnecessary complications, very few of which make any sense other that to provide income for the leeches that feed off them.
The UK Insurance business should be torn up and reformed along the lines of other countries where cars are insured rather than drivers, then ridiculous situations such as visitors to the UK not being able to get insurance to drive their hosts cars would not arise.
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