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car insurance

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  • 14-10-2016 5:03pm
    #1
    horsebox7
    Registered Users Posts: 452 ✭✭


    Do you increase the cost of premiums if a claim has been made against someone elses policy who has been proved to be at fault?


Comments

  • Options
    #2
    Liberty Insurance: Sean
    Company Representative Posts: 235 Verified rep ✭Liberty Insurance: Sean


    horsebox7 wrote: »
    Do you increase the cost of premiums if a claim has been made against someone elses policy who has been proved to be at fault?
    Hi Horsebox7
    If a fault claim has been made against your policy within the previous three years we would include this in the calculation of your premiums. Hope this helps. 
    Regards 
    Seán


  • Options
    #3
    horsebox7
    Registered Users Posts: 452 ✭✭horsebox7


    Liberty Insurance: Sean wrote: »
    horsebox7 wrote: »
    Do you increase the cost of premiums if a claim has been made against someone elses policy who has been proved to be at fault?
    Hi Horsebox7
    If a fault claim has been made against your policy within the previous three years we would include this in the calculation of your premiums. Hope this helps. 
    Regards 
    Seán
    To clarify. If I make a claim against another persons policy who is proved to be at fault will my premium increase because I have claimed from another persons policy? 


  • Options
    #4
    Liberty Insurance: Sean
    Company Representative Posts: 235 Verified rep ✭Liberty Insurance: Sean


    horsebox7 wrote: »
    Liberty Insurance: Sean wrote: »
    horsebox7 wrote: »
    Do you increase the cost of premiums if a claim has been made against someone elses policy who has been proved to be at fault?
    Hi Horsebox7
    If a fault claim has been made against your policy within the previous three years we would include this in the calculation of your premiums. Hope this helps. 
    Regards 
    Seán
    To clarify. If I make a claim against another persons policy who is proved to be at fault will my premium increase because I have claimed from another persons policy? 
    Hi Horsebox7
    You would have to inform us of any open or finalised claim regardless of blame in the last three years. If you were deemed not to be at fault and the other driver’s insurers paid out on the claim we would not charge you in this instance. However other insurers may vary on this.

    Seán


  • Options
    #5
    horsebox7
    Registered Users Posts: 452 ✭✭horsebox7


    Liberty Insurance: Sean wrote: »
    horsebox7 wrote: »
    Liberty Insurance: Sean wrote: »
    horsebox7 wrote: »
    Do you increase the cost of premiums if a claim has been made against someone elses policy who has been proved to be at fault?
    Hi Horsebox7
    If a fault claim has been made against your policy within the previous three years we would include this in the calculation of your premiums. Hope this helps. 
    Regards 
    Seán
    To clarify. If I make a claim against another persons policy who is proved to be at fault will my premium increase because I have claimed from another persons policy? 
    Hi Horsebox7
    You would have to inform us of any open or finalised claim regardless of blame in the last three years. If you were deemed not to be at fault and the other driver’s insurers paid out on the claim we would not charge you in this instance. However other insurers may vary on this.

    Seán
    Thanks. Is it legal for companies to increase a persons premium if they make a claim against someone elses policy who is at fault?


  • Options
    #6
    Liberty Insurance: Sean
    Company Representative Posts: 235 Verified rep ✭Liberty Insurance: Sean


    horsebox7 wrote: »
    Liberty Insurance: Sean wrote: »
    horsebox7 wrote: »
    Liberty Insurance: Sean wrote: »
    horsebox7 wrote: »
    Do you increase the cost of premiums if a claim has been made against someone elses policy who has been proved to be at fault?
    Hi Horsebox7
    If a fault claim has been made against your policy within the previous three years we would include this in the calculation of your premiums. Hope this helps. 
    Regards 
    Seán
    To clarify. If I make a claim against another persons policy who is proved to be at fault will my premium increase because I have claimed from another persons policy? 
    Hi Horsebox7
    You would have to inform us of any open or finalised claim regardless of blame in the last three years. If you were deemed not to be at fault and the other driver’s insurers paid out on the claim we would not charge you in this instance. However other insurers may vary on this.

    Seán
    Thanks. Is it legal for companies to increase a persons premium if they make a claim against someone elses policy who is at fault?
    Hi Horsebox7
    Insurers do take into account a number of factors when calculating premiums this would normally include a drivers a claims history. You would have to confirm this with your insurers.
    Regards 
    Seán


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  • Options
    #7
    horsebox7
    Registered Users Posts: 452 ✭✭horsebox7


    Liberty Insurance: Sean wrote: »
    horsebox7 wrote: »
    Liberty Insurance: Sean wrote: »
    horsebox7 wrote: »
    Liberty Insurance: Sean wrote: »
    horsebox7 wrote: »
    Do you increase the cost of premiums if a claim has been made against someone elses policy who has been proved to be at fault?
    Hi Horsebox7
    If a fault claim has been made against your policy within the previous three years we would include this in the calculation of your premiums. Hope this helps. 
    Regards 
    Seán
    To clarify. If I make a claim against another persons policy who is proved to be at fault will my premium increase because I have claimed from another persons policy? 
    Hi Horsebox7
    You would have to inform us of any open or finalised claim regardless of blame in the last three years. If you were deemed not to be at fault and the other driver’s insurers paid out on the claim we would not charge you in this instance. However other insurers may vary on this.

    Seán
    Thanks. Is it legal for companies to increase a persons premium if they make a claim against someone elses policy who is at fault?
    Hi Horsebox7
    Insurers do take into account a number of factors when calculating premiums this would normally include a drivers a claims history. You would have to confirm this with your insurers.
    Regards 
    Seán
    Thanks

    Could you please tell me what organisation performs the role of ombudsman for the insurance industry?


  • Options
    #8
    Liberty Insurance: Sean
    Company Representative Posts: 235 Verified rep ✭Liberty Insurance: Sean


    horsebox7 wrote: »
    Liberty Insurance: Sean wrote: »
    horsebox7 wrote: »
    Liberty Insurance: Sean wrote: »
    horsebox7 wrote: »
    Liberty Insurance: Sean wrote: »
    horsebox7 wrote: »
    Do you increase the cost of premiums if a claim has been made against someone elses policy who has been proved to be at fault?
    Hi Horsebox7
    If a fault claim has been made against your policy within the previous three years we would include this in the calculation of your premiums. Hope this helps. 
    Regards 
    Seán
    To clarify. If I make a claim against another persons policy who is proved to be at fault will my premium increase because I have claimed from another persons policy? 
    Hi Horsebox7
    You would have to inform us of any open or finalised claim regardless of blame in the last three years. If you were deemed not to be at fault and the other driver’s insurers paid out on the claim we would not charge you in this instance. However other insurers may vary on this.

    Seán
    Thanks. Is it legal for companies to increase a persons premium if they make a claim against someone elses policy who is at fault?
    Hi Horsebox7
    Insurers do take into account a number of factors when calculating premiums this would normally include a drivers a claims history. You would have to confirm this with your insurers.
    Regards 
    Seán
    Thanks

    Could you please tell me what organisation performs the role of ombudsman for the insurance industry?
    Hi Horsebox7
    The Financial Services Ombudsman's Bureau performs the role in the Republic of Ireland. Their website is www.financialombudsman.ie

    Seán 


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