my car insurance has declined to renew

[scoobywho]

As i had 3 no fault accidents last year my insurance company a plan has decided not to renew my policy, can they do this?

[Spaceman]

bumped but prob yes

[danwel]

In short yes, they like any company have the right to refuse you insurance and as your year is up unfortunatley there isn't a great deal you can do other than go to another company

[herbie]

Even if the accidents are not your fault, your considered a risk

[Spaceman]

yup they must consider where you park or the roads you drive as dodgy with 3 non fault its other drivers that are putting you at risk

[scoobywho]

Twice the car was parked and the third time it was a drunk driver its a joke that they say that no fault claims dont affect premiums when you claim

[colin_ross]

Did they not recover the losses from the third parties?

[scoobywho]

Yeah 2 accidents paid out from third party and the other will be settled soon.

[Spaceman]

that is really **** if they are claiming them back so there not even out of pocket.

phone up and ask whats going on maybe its a mistake or a silly computer generated thing.

[davey l wrx]

If memory serves me correctly until all outstanding claims are settled - your fault of not it is highlighted on your policy and you are held accountable until settled. It's pish but thats how they do it, guilty until proven innocent by someone else paying up!

Once the last issue is settled you might get a more realistic quote!

[scoobywho]

Its going to court in january so hopefully it gets sorted

[oz *sti*]

O.k. – from the knowledge I have from previously working in the insurance industry.

Yes they can decline any policy at renewal that is there right as a company; there are loads of different influencing factors which are taken into account when a premium is calculated. If these factors change during a policy year or if the risk changes then the insurance company will try and safe guard themselves and not offer a renewal.

I do understand that you did state that these claims are non-fault claims and as such means you are not at fault for the incident, but when it comes to insurance, it has been statistically proven to show that drivers involved in a non fault claim will go on and make further fault claims. Again I’m not saying you will, this is just the stats.

If you’re insurance company has told you or it is shown on paper work as a non-fault claim then that’s what your renewal will be rated on. The only time that would differ is if there is any dispute regarding liability then the claim would be noted as a fault claim, then once settled would then show as either a fault or non fault depending which way it has been settled.

Sorry I’m not passing on good news.

[scoobywho]

Its ok i managed to get it insured with asda for 100 quid less than a plan were last year. They agreed on the phone as long as my ncd was in tact tge accidents dont affect my premium on their terms and conditions

[davey l wrx]

Nice one

[Spaceman]

result whats asda like for mods.

[scoobywho]

What mods hahaha i dont know what ur talking about i thought it was standard