3rd party fault... my insurance doubles!!!

[toni malloney]

In November someone drove into me and my car was written off. At the scene they admitted responsibility and I got the contact details of a witness who verified this.

Following the crash the 3rd party decided to contest their liability which delayed my payout and meant that the case remained open, meaning that in the eyes of any prospective insurers I may possibly have been the guilty party... This meant that I couldn't afford to insure the car I'd been offered the use of over Xmas (thank you Ella Mullin x) so I had no wheels during the holiday period.

All of this was bad enough but now... they've finally accepted liability, paid me out and I've got my ncd back again yet... I'm still being quoted twice as much for my insurance. I'm furious! I'm the injured party but my premiums have doubled - is this legal?

[unclebulgaria67]

In November someone drove into me and my car was written off. At the scene they admitted responsibility and I got the contact details of a witness who verified this.

Following the crash the 3rd party decided to contest their liability which delayed my payout and meant that the case remained open, meaning that in the eyes of any prospective insurers I may possibly have been the guilty party... This meant that I couldn't afford to insure the car I'd been offered the use of over Xmas (thank you Ella Mullin x) so I had no wheels during the holiday period.

All of this was bad enough but now... they've finally accepted liability, paid me out and I've got my ncd back again yet... I'm still being quoted twice as much for my insurance. I'm furious! I'm the injured party but my premiums have doubled - is this legal?

 

They can quote what they want and you can take your Insurance elsewhere.

 

Suggest that you shop around. Your premiums will be affected by a non fault accident and insurance rates have increased anyway.

[ukguy2k]

when you have a crash even not your fault your insurance does go up it same with anyone that why people try there best to avoid going though insurance for damages

 

 

I had a crash on my scooter 3yrs ago and wasn't my fault parcel force manager said he ring me and arrange a payment to stop me going though insurance I never heard anything so I contacted my insurance as my scooter was dangerous to use on the road

[king12345]

Welcome to the world of insurance victims.

Some idiots go out of their way to deliberately damage others' cars and injury innocent victims who are then forced to pay extra because they are more "at risk".

This also applies if you have your car parked in a locked garage and some idiot drunk or on drugs smashes his car through your garage door and damages your car while you're asleep upstairs.

Apparently it's your fault for not having a 6 inch stainless steel garage door and you pay a higher premium.

The crazy thing is that so far nobody has ever recovered from 3rd party the extra money they pay in premiums for the following 5 years from the non fault accident.

In my books this is a loss directly related to the accident and should be recovered.

Two quotes should be obtained, one with the non fault accident and one without.

The difference should be paid by 3rd party at fault.

Thing is we can't even rebel against insurance companies because otherwise they just wouldn't insure us.

A bit like taxes, just pay them and don't lose sleep over them.