Why is my insurance going up after an accident that wasn't my fault?

I was hit on Sunday by a third party and as a direct result my car will be a total loss. The third party has admitted she is wholly liable and it is recorded as a non fault accident on my insurance policy and my NCB will not be affected and I have protected NCD. We are both with Admiral. Admiral are however saying I will just have to like it and lump it when my premium increases at renewal time due to these infamous "statistics" which now make me more liable to have another accident. I signed up to the free motor legal site in May - is this the best route to ensure I am not out of pocket as a direct result of this accident? How can I trust Admiral in this conflict of interest roll to indemnify my actual and consequential losses.

Asked on 22 June 2018 by MondeoMonkeyMagic

Answered by Tim Kelly
Yes, get a quote for a new policy without the claim and then another with, It can then be evidenced the loss you will sustain over the next four years. Try free motor legal, though it may not be an area they will cover if there is no credit hire involved. They need to be involved in all aspects of your uninsured loss, i.e loss of use, out of pocket expense and any prospective PI claim. Bring www.handbook.fca.org.uk/handbook/ICOBS/8/3.html 8.3.3 "conflicts of interest" to their attention and ask the question, inform them that they should be advising you not to claim from them unless they fully cover your loss.

Your "lawful" entitlement is here.www.honestjohn.co.uk/insurance/coles-v-hetherton-w.../

You may have noted in my past comments, I often advise people not to claim via their own insurer where possible. This is the reason why.
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