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Zero claim affects premium?
#175171
23/08/2006 16:54
23/08/2006 16:54
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Joined: Aug 2006
Posts: 3,700 burning oil in the alfa
whatmoretyres
OP
Forum is my job
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OP
Forum is my job
Joined: Aug 2006
Posts: 3,700
burning oil in the alfa
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Hi I had a small accident where a pedestrian stepped out in front of me and got herself knocked down. She was a schoolgirl not looking and listening to her Ipod. She was ok, just a bit shocked and the car had a small depression on the bonnet, which you can't see cos it's bluuu. The point is, the childs family are not claiming cos it was her fault, but I have to declare a £0 claim with the insurance company which has put my premium up £100+ with admiral. Rung around a couple of others, and it's the same story ![](/forum/images/graemlins/mad.gif) Anybody any ideas with a sympathetic insurance co who can look at the situation relistically? I have 15 years no claims, and they want £550 fully comp! ![](/forum/images/graemlins/cry.gif) (I have tried the ones on the list here, but no joy) TY in advance for your suggestions
Smart Fitness and GPS seller
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Re: Zero claim affects premium?
#175172
23/08/2006 19:11
23/08/2006 19:11
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Anonymous
Unregistered
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Anonymous
Unregistered
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The Admiral group are bug*ers for increasing premiums due to non-fault accidents...justification is that their underwriters believe that if you have been involved in a non-fault incident you are statistically more likely to make a fault claim... I had a row with Elephant about this...problem is they were still the cheapest by far at the time so I didn't really have a leg to stand on ![](/forum/images/graemlins/grin.gif)
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Re: Zero claim affects premium?
#175174
23/08/2006 19:26
23/08/2006 19:26
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Anonymous
Unregistered
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Anonymous
Unregistered
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Well I guess it's not fair Are Admiral still cheaper than Noel Dazely and Greenlight?
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Re: Zero claim affects premium?
#175176
23/08/2006 20:18
23/08/2006 20:18
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Anonymous
Unregistered
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Anonymous
Unregistered
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Try HIC, Liverpool Victoria and Adrian Flux too ![](/forum/images/graemlins/smile.gif)
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Re: Zero claim affects premium?
#175179
24/08/2006 03:37
24/08/2006 03:37
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Anonymous
Unregistered
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Anonymous
Unregistered
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Try Bell Direct (an admiral company) vs Admiral worked for me ![](/forum/images/graemlins/smile.gif) minus £100+ (without the claim ![](/forum/images/graemlins/grin.gif) ). Next year will try Admiral vs Bell ![](/forum/images/graemlins/laugh.gif)
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Re: Zero claim affects premium?
#175180
24/08/2006 03:43
24/08/2006 03:43
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Anonymous
Unregistered
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Anonymous
Unregistered
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Sorry ![](/forum/images/graemlins/smile.gif) if i read your post correctly you already tryed Bell. Please forgive stupidity ![](/forum/images/graemlins/laugh.gif)
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Re: Zero claim affects premium?
#175182
27/08/2006 22:11
27/08/2006 22:11
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Anonymous
Unregistered
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Anonymous
Unregistered
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I may just be being ignorant but why in this case do you have to tell the insurance company at all?
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Re: Zero claim affects premium?
#175184
29/08/2006 13:22
29/08/2006 13:22
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Joined: Dec 2005
Posts: 12,546 Northumberland
AndrewR
I AM a Coop
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I AM a Coop
Joined: Dec 2005
Posts: 12,546
Northumberland
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If you didn't inform your insurers of the accident then you'd have broken the terms of your contract with them and they would have a good case to persue you for any money that they had to pay out.
Not a good idea when there could be a future personal injury claim running to hundreds of thousands.
Dear monos, a secret truth.
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