26-05-13, 03:27 PM
(26-05-13, 02:19 PM)karlo link Wrote:
- An insurance claim WILL affect your premium, I had a non fault accident a few years ago in a car hit by someone uninsured with a provisional licence and had to claim through my insurance
- I had to fight to get it recorded as a non fault
- Yes but if its non-fault the insurers code of practice state they are not supposed to load your premium - dosen't stop the c**ts trying it on though.
- Same here, every renewal I have to "explain" to them that they are not supposed to load me etc. you can check if they are by doing an anonymous ins. quote online
(26-05-13, 02:19 PM)nickodemon link Wrote: I am still unsure if it will be classed as 'my fault' as i have 2 witnesses in the car behind who will back up my claim that there was nothing i could have done to avoid crashing.
Hmm, I had always thought that if one makes a claim on one's policy for any reason its considered a fault claim. But then after a bit of googling it isn't as black and white as that, the fact you have two witness statements and a police crime reference to the same effect I think your right in concluding that its a non-fault accident and claim.