Insurance is up, how do I answer this?

Elessar

"Have you had any claims or accidents in the last 5 years regardless of blame?"

I did have some accidental damage caused by another party last year in which they were at fault and I claimed off their insurance. All sorted now. But I have no claims against my own insurance. I presume it's no?

Obviously don't want this to come back to bite me if I do claim and they have a different idea about how I should have answered this.

mobby

Personally I would inform them of the circumstances and tell them the claim is settled. If you unfortunately have a big claim they can use any excuse not to pay.

StormForce13

https://www.boards.ie/discussion/2058358266/insurance-is-up-how-do-i-answer-this

You answer the question accurately and honestly. Remember that if you're renewing with the same company then they already know that you haven't claimed off your own policy. And if you're taking out insurance with a new company, then presumably they'll see from your NCB cert that your existing insurer is willing to renew your policy.

Elessar

They don't make it clear if it's a claim you made against your insurance or just any claim. I guess I will have to ring the insurance companies instead of using the online forms.

One question they seem to ask online if you select 'Yes' is, is the claim settled? It is settled afaik as the work was done and the amount agreed and given to the repairer. But they also state I should have a letter stating this, which I don't. I guess I need to ring the other party's insurer and request this also?

coylemj

OP, I'd agree with the advice above. They could have asked 'have you had any claims against your policy in the past 5 years' and it's significant thay they include 'regardless of blame'.

Both of which suggest to me that you need to tell them. If you're doing an online quote or renewal, this will almost certainly result in a rejection so you will have to phone them and explain.

The 'Regardless of blame' bit is explicitly saying that it's not up to you to decide which claims to declare - claims against you or where you claimed against the other guy and his insurance paid up. They want to know about every claim.

POBox19

https://www.boards.ie/discussion/2058358266/insurance-is-up-how-do-i-answer-this

Yes to that, you've had both an accident and claim which was settled paid by the other party's insurer. If you've retained the record of it the other insurer should be able to confirm it. This shouldn't cause much trouble getting a quote.

standardg60

I find that question very interesting, it's usually just claims against you. Claimy types are of course more likely to claim which leads to higher costs for the industry as a whole, so proper order i say. Plenty of court cases where the claimant has previously been in receipt of other claims, a lot of unlucky people out there.

Eggs For Dinner

You declare that you had an accident but you did not have a claim. The only person who can claim under an insurance policy is the policyholder. In your situation, the 3rd party claimed for funds under their policy to compensate you for the damage they caused to your vehicle.

You should not be adversely affected, but I fully accept that today's call centre type insurance employees are not well versed in the principles of their trade. If you encounter any issues try and escalate it up the food

Guffy

I currently have an open claim against a 3rd party. No fault on me, they admitted full liability. I informed my insurer at the time.

6 months later when the policy is due to renew I call to discuss my quote. Advise that the claim is still open against the 3rd party, no claim or counter claim on my policy. I'm told I can't change insurer and my premium is to increase by 80 quid. Wtf?

geotrig

you need to answer yes as it "regardless of blame" and no impact on your policy , you still have your no claims bonus intact and it has been noted and can move freely to any other insures with that ncb but will still more than likely need to declare that you made a claim and is settled

now the flip side of that is i was in similar situation a few years ago and by mistake i presume the insurance company sent me my renewal ,with some loading on it , when i queried/argued about it that came back about statistically I was more likely to have another claim in x amount of years to the 1st incidence even i was not at fault* hence the loading ,eventually they requoted me for the same price with the loading removed just the premium was increased !! absolute dog **** ,now the loading was low but it was the principal really.

coylemj

https://www.boards.ie/discussion/comment/122367997#Comment_122367997

It's not for your current insurer to tell you that you can't change insurer - if you get a quote from someone else and decide to move then you're free to do so. But you will probably get rejected if you go looking for a quote online. Follow the advice from poster Eggs for Dinner in post #9 above.

You're going to have to do this by explaining your situation (what you said in the first sentence of your post) to a human in a phone call and hope that they will give you a quote.

That €80 uplift on what you paid last year looks like regular inflation, I don't think it's big enough to be a loading as a result of a claim. Did the renewal tell you what no claims % discount you're getting and has it been reduced since last year?

Guffy

https://www.boards.ie/discussion/comment/122372260#Comment_122372260

No the 80 was added to my renewal quote after I reminded them that I was involved in a claim on another policy.