Subaru Impreza GX AWD - Insurance renewal - declaring a no-fault accident

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Wed 12 Sep 2012 18:46
Subaru Impreza GX AWD - Insurance renewal - declaring a no-fault accident - zilphia

It's that time of year when my car insurance is due for renewal and I just wondered if anyone could give me some advice please.

I was involved in an accident in March this year which was not my fault - a van driver came into the side of my car and admitted full liability. After much messing about with my own insurance company, Yes Insurance, I decided to withdraw my claim (as they wanted to write off my perfectly good car) and instead I went to a local garage with an accident management company attached. They handled all my repairs and claimed the costs from the 3rd party insurance company. I was also received a personal injury payout. I didn't pay anything and neither did my own insurance company. I checked with Yes Insurance before I withdrew my claim from them, that as it was a no-fault accident it would not affect my premium next year and they said no it wouldn't. However when they sent me my renewal quote for the coming year it was a full £300 higher than last year!

I have received several much lower quotes from other companys, the best being from AVIVA. They asked me whether I had made a claim within the last 5 years, and I said no as that is the truth as I withdrew my claim from Yes Insurance. But if I go with AVIVA, do I need to tell them about the accident, even though it was all handled outside my current insurance company? I don't want to end up with my new insurance being invalid, but I am scared that telling them will result in a massively high premium.

Any advice would be gratefull received - car insurance is such a minefield!!

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Wed 12 Sep 2012 19:07
Subaru Impreza GX AWD - Insurance renewal - declaring a no-fault accident - daveyjp
They ask you if you have had any accidents or claims in the last 5 years not just claims and then ask you for the details. In your case you say yes to having an accident, but you were not at fault.

They do use a shared database and they will know you were with YES so don't withold information.

Your experience is the same as mine with LV. A no fault accident resulted in LV increasing my premium substantially, I also went to Aviva and it was much cheaper even with declaration of the accident.

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Wed 12 Sep 2012 20:17
Subaru Impreza GX AWD - Insurance renewal - declaring a no-fault accident - Auristocrat

Insurers do ask whether there have been any accidents or claims usually in the past five years - and whether or not an accident/claim was fault or non-fault, it still has to be admitted to.

As regards LV, when my partner's 8 month old car was hit by drug dealers involved in a police chase, the accident had to go as a fault claim. Repair bill was in the region of £1800-2000, and as the drug dealers were not insured, went down as a fault claim, as LV couldn't recover their costs from a third party. Our insurance renewals have never increased beyond the usual small annual increase that most policies are subject to.

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Fri 14 Sep 2012 01:47
Subaru Impreza GX AWD - Insurance renewal - declaring a no-fault accident - Smileyman

A few years ago I was involved in a no fault accident whilst in France - car was hit from behind whilst stationary in a traffic queue.

My insurer dealt with it all and did not load the premium at the next renewal. I have since changed to a new insurer (to obtain a better price) and always declare the event, and will do so until it is too old to be required.

My current insuer is John Lewis.

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Fri 14 Sep 2012 10:41
Subaru Impreza GX AWD - Insurance renewal - declaring a no-fault accident - SteveLee

They already know the answer to this question from the shared insurance database, they will take your money and then cancel your insurance at a later date, this will add a "insurance refusal" to your record - combine the two, you will soon be looking at a hefty premium loading!

Go to an old fashioned high street insurance brioker and discuss the issues with them.

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