to all the above i will try and help lol
basicly a none fault accident and your no claims bonus dont work hand in hand so you can be affected sometimes.
No Claims Bonus is a separate issue. Even when you have protected or guaranteed NCB, your 'base' premiums are still affected.
If for example someone hits your car and drives off, not leaving any details, you come back and find it damaged, the accident is not your fault but there is no one else to claim from, therefore your insurance has to pay out. This means you have made a claim and the insurance is out of pocket therefore your no claims discount is affected and it is classed as a'fault accident'.
Yes, I think most here would understand this and agree with you on this issue. However, the best option in this scenario is NOT to involve the insurance company - just get a couple of quotes and cough up the bill yourself (providing the damage isnt too major) - and chalk it down to one of lifes 'experiences'.
If in the same circumstances if they leave their details or your in the car and take their details etc and your insurance pay out, they can claim the money back from the other persons insurance. If this happens (most cases it does) then the claim is closed as none fault and your no claims discount isnt affected.
Hmmmm . . . most of the bigger insurance companies wont recover costs from another ins co. There seems to be an 'unwritten agreement' between them that they will pay out directly for damage repairs from their own pot - basically these instances will 'even out' - so they do this to reduce admin costs.
If you have a stolen car or fire claim then they are fault claims as you claim off your insurance and there is no one else to claim the money back from.
Yup - no problem there. But you also ought to highlight these are a 'special' category of claim - being a 'total loss' - and insurance companies really hate these - and look to massively load future premiums.
If your not at fault for ana ccident and the money is claimed back from the responsible insurer then you should not be out of pocket or affected when you renew.
Like I said above, ins cos wont claim from 3rd party insurers for damage repair costs. But they will STILL load your premium - even for NOT fault claims.
If you have a non fault accident and you dont claim or deal with it privately you dont have to declare it, no insurance claim was made or involved.
Not 100% correct. Some ins cos will specifically ask if youve ever had an accident, even if you did NOT report it to an ins co or didn't make a claim. There are more than a few of these around!
If you have a claim which is none fault and settled none fault (your insurance claimed all their money back from the other insurance company of the person at fault) then dont declare it, some insurers still charge more but this is not fair or allowed and if they catch you out at a later date they wont make an issue of it (this happens where i work for certain).
Exactly - you need to be exceedingly cautious in this specific area - and most WILL make an issue of it!
Aviva are terrible insurers and should be avoided at the best of times but they also do sting you if you have a non fault accident.
'Quote me happy - treat me like sh!t'
Aviva are generally competitive on premiums, and
can be a good bet if you are a low-risk careful driver - but they are a fookin nightmare when it comes to making a claim.
If you have a fault claim then declare it, otherwise when your found out you will end up with your trousers pulled down!
Some peeps might enjoy that - oooo errrrrr!
For people who have their insurance go up just because of a non fault claim you need to be firm with them, get quote before declaring then declare, any difference you shouldnt have to pay!
This is only applicable when seeking a renewal from another ins co - it just wont work if you try to renew with your existing one. But at the end of the day - the individual ins cos can do what they want - if they decide to load your premium for a non-fault claim, that is their prerogative - they are after-all, in the business to make money!
Insurance isn't just about the price you pay for your premium - it is also about how good they are when dealing with claims. 25 years ago, Norwich Union (now called Aviva) had by far the best and fairest claims procedure (but not the cheapest premiums), but about 15 years ago, it went seriously down hill - they went for the 'cheap premiums' market, and had to dramatically cut the quality of their claims. Liverpool Victoria have recently followed this NU/Aviva method - intially excellent at claims - now utterly UTTERLY shocking at claims.
You pays your money and you takes your choice!
