Doubled premium market wide or just with your existing company? If only your own company renewal shop around, then decide if you want to go through formal complaint.

Never been in this actual situation, but as above if no joy from the insurer i too would be seeking out the Ombudsman, nit picking like this isn't right.

Whatever happens would you please update us and if you don't mind please name the insurer so we know which company to avoid, i've never gone anywhere near Norwich Union or whatever its called now following unfair treatment, and sarcasm from their operative on the phone, some 40 odd years ago.

Edited by gordonbennet on 11/05/2025 at 20:47

The company is Hastings. Here is the Uninsured Driver Promise:

Uninsured driver promise

Your insurer promises that if you are involved in an accident that isn't your fault and the driver of the vehicle that hits you doesn't have motor insurance:

• You won't lose your no claims discount
• You won't have to pay any excess/es.

To benefit from this promise you must send us the make, model and registration number of the vehicle that caused damage to your car and, when possible, tell us the other driver's name and address.

When you make a claim, you may initially have to pay your excess/es. If investigations are still taking place when your renewal is due, you may lose your no claims discount temporarily, as explained above. Once your insurer has confirmed the accident was the fault of an identified uninsured driver, your insurer will refund your excess, restore your no claims discount and refund any extra premium you have paid.

Note that it says ‘identified uninsured driver’, which could mean the uninsured driver is identified, or more likely, that the driver is identified as having no insurance.

Thanks for highlighting the company, one i already avoid.

Interesting small print about the 'identified' uninsured driver, one would expect those without insurance or other illegal drivers to hit and run anyway, eitheri n the vehicle or on foot either of which will almost certainly result in them never being found therefore not identified.