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
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!

(I have tried the ones on the list here, but no joy)
TY in advance for your suggestions

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

thats right...they said they load it at an average claim cost....which was £800! How is that fair?

Well I guess it's not fair

Are Admiral still cheaper than Noel Dazely and Greenlight?

Haven't been able to get one from ND - they were backing up their software when I rang!

Greenlight were higher, said they couldn't get below £600

Will give ND another go today, fingers crossed!

Try HIC, Liverpool Victoria and Adrian Flux too

Thanks for explaining a bit more about it S, I've not had a claim like this so it is helpful to know a bit of the reasoning behind it. Guess I'm frustrated because of the old spending £100+ every month on maintance on the coupe!
Just the manifold,brakes,service,insurance,puncture in a new tyre to sort now!

PS, couldn't beat £545 from admiral with any of the others, might try and knock them down (no pun intended) a bit more tho!

Thanks vicster & S1mma

Try Bell Direct (an admiral company) vs Admiral
worked for me minus £100+ (without the claim ).
Next year will try Admiral vs Bell

Sorry if i read your post correctly you already tryed Bell. Please forgive stupidity

Bell wouldn't quote me for some reason, I think it's cos I'm already with admiral and they don't want to undercut them?

I may just be being ignorant but why in this case do you have to tell the insurance company at all?

long story, but basically if you hit a child, the parents have until the kid is 18 to sue you (which is 5 years from now) then the kid has another 3 years if they want to take you to court. Not my fault, but it's because of the "no win, no fee" stuff on telly apparently. If i don't have it straight, it's my word against their's, but if you get it all down properly with witnesses and everything, you have minimal exposure

apparently!

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.

hehe, that as well of course! It never crossed my mind to not report it!

Update : Chris Knott insurance managed to get the premium down to £500, so am going to go with that. Just 4 tyres and a manifold on the list now!...