Insurance!! 😡😡😡

[UK_Vstrom650]

It is and also a p-take that you have to declare it for 5 years.

I'd be tempted to treat it like modifications - don't declare it on the online quotes as the websites aren't sophisticated enough to do anything but say no. Once you have them, phone a couple of the ones you'd usually buy from to see what the non-fault accident does to the premium.

[Mr Nick]

I had to put up with increased premiums for 5 years because some old duffer ran into the back of my car whilst in a queue - we'd only been sat in it for about 45mins up to then so clearly he didn't have time to see me...

When I challenged the increases, every company said it was because having had that accident now made me more of a risk of it happening again. None could explain how that made any sense whatsoever, but it added at least £200 to my premiums over the 5 years, which I feel there should be some way to recover from the at fault party. It was additional costs I incurred as a direct result of the collision so why was I left carrying the can?

[martind]

Am I understanding this correctly?

So if I get hit by a car, the car driver is at fault, their insurance pays out… My insurance will still go up ??

[kwackboy]

Yes

[Rusty Nuts]

Absolutely. Even if you're tucked up fast asleep in bed, if your legally parked car was hit by a stolen car driven by a drunk, banned driver - your vehicle has been involved in an incident, therefore is now 'more at risk of being involved in another.' So your premium goes up. What a business to be in.

[martind]

Quote removed

That’s absolutely nuts !!!!