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non-claim incident car insurance query

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Hi everyone, first post here

 

I am truly fed up and think I already know what the answer to this is but thought I would ask anyway.

 

A few months back I bumped into an empty stationary vehicle whilst parking. Minimal paintwork damage to mine and third party car. We exchanged name and phone numbers and I asked third party to contact me when they decided what they wanted to do. Haven't heard anything back from the third party and didn't tell insurance company at the time (didn't realise this was a requirement but I do now) as I was waiting for the third party to contact me to see if we had to go through the insurance or not. Insurance is up for renewal and when submitting the details I declared the incident as I was worried that if the third party did decide to pursue it then I would be in breach of new insurance as I hadn't declared the incident. There is now a £30 increase on my premium even though myself personally, my insurance or the third party insurance have paid out nothing. This has also affected my partner's insurance premium. He thinks I am stupid to even have declared it but I felt I had to.

 

I am just really galled that this one small incident that incurred no costs will affect mine and my partners insurance for the next 5 years. Is this right? Honesty doesn't seem to pay after all :sad:

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Is the £30 increase for the whole year?


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Yes for each of us so sixty quid in total for the year

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Unless i'm reading this wrong, your car insuance has gone up by only £60 this year at renewal. i have 11 yrs ncb and mine went up over £200!! i think youve had a result, £60 is very reasonable when most peoples insurance is going up by 30%+.

Thats why i wondered if i was reading it wrong.


PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 

I am not legally trained or qualified, any advice i offer is gleaned from experience and general knowledge, if you are still unsure after receiving advice please seek legal advice.

 

 

 

GEMHL Settled

Barclaycard Settled

A & L SETTLED IN FULL :lol:

Spml Reluctantly withdrawn

Blackhorse pre 31-7-06 Demand removal sent 23 8 06. ICO ordered removal jan 2007....REMOVED:lol:

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First of all how can the third party claim without your insurance details, your insurance will never pay third party without your knoweldge.

before they process any claim they will contact you to clarify.

you are very lucky to escape with £60 mine is increased by £300.

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