What premium to expect after a big claim?

[Jac Sprat]

We had an innocent enough prang (turning too sharply around a low brick wall) which is costing Aviva 10k to repair. (The dent caved in the toilet unit)
Any idea what kind of hike on our premium we can expect or even if they’ll agree to carry on insuring us? If not, any advice?

 

[DBK]

If you stay with Aviva I don't see why the premium should go up other than the loss of any no claims discount - if there was one and it wasn't protected.

The insurers should take the view you are unlikely to do it again.

 

[Coolcats]

We had an innocent enough prang (turning too sharply around a low brick wall) which is costing Aviva 10k to repair. (The dent caved in the toilet unit)
Any idea what kind of hike on our premium we can expect or even if they’ll agree to carry on insuring us? If not, any advice?

Our big claim last year our MoHo insurance (AIB) went from around £450 to £3500 it was following a break in with two vehicles stolen hopefully you won’t see such a big increase we did go with Adrian Flux in the end it was around £1200 which was sort of what we were expecting. If you get a big premium increase I would say shop around.

 

[The Wino]

I think as its going through it's just wait and see. I can't see any point worrying about it until it happens. I think there will be a fairly big hike as the claim affects the base premium then you will get the NCB,% off that as long as it's protected. At least its only money and metal not health.

 

[Steve and Denise]

Even though your no claims are protected that has little relevance to your renewal cost, you still get your N/C but on a higher renewal cost, so a bit or a misleading statement.

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[Gaston aires]

Our new insurance quote has gone up by 15% with no accidents. Just the company computer generator they say. Another round of negotiations per say. I refuse to be loyal to any of them, if they are not loyal to me.
Phil

 

[pappajohn]

If you stay with Aviva I don't see why the premium should go up other than the loss of any no claims discount - if there was one and it wasn't protected.

The insurers should take the view you are unlikely to do it again.

Unfortunately they don't see it like that, they will view it as you did it once so there's every chance you'll do it again..... The risk has increased so the premium will also increase.
With a £10k bill I would expect a high increase, they WILL get as much back as they can.
Changing insurers will make little difference as you still have to declare the claim and the new insurer will load their price as well.

 

[denisejoe]

If you go to another insurer you have to declare your claim anyway and you wouldn’t have a NBC’s

 

[Scotch mist]

After an accident you normally loose about 20% of your NCB , but it won’t stop them increasing the premium , £10,000 ain’t a big claim

 

[sedge]

... and it won't stop any other motor insurance you have the premium being hiked as well, cos ALL motor claims are registered on a central database, which ALL motor insurers search before inviting renewal of their own policies.

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[Hagstrom]

With Aviva, expect up to 5 times your existing premium.

 

[Reallyretired]

I did something similar, though with an iron bridge in France. Premium went up by £50 for a couple of years then back down. The biggest penalty was on the premiums of the other 3 vehicles I am insured for.

 

[Coolcats]

I did something similar, though with an iron bridge in France. Premium went up by £50 for a couple of years then back down. The biggest penalty was on the premiums of the other 3 vehicles I am insured for.

Agree with you same thing for us even if you are a named insurer rather than the owner of the vehicle stollen it also affects your insurance. One of the two cars stolen belonged to my wife and it was claimed in her insurance it still affects the premium on the ones I own. somehow the insurance companies jut want to rip off their customers and in the case of crime the victim pays and pays again !
A broker took the time to explain that one of their customers had a Golf GT stolen a couple of weeks after they had purchased it, it turned out it was a guy from the garage had another set of keys and stole it. The customer was paid out, the car was found but as the insurance company did not get all their money back the Guys file was marked with the theft and he is still paying hiked premiums.

 

[Steve and Denise]

We had a £700 claim for a bird hitting a headlamp on our Hymer (the quote was £1500) and the separate insurance on our sports car increased by over £1000 annually with the same company even with max no claims discount.
We looked elsewhere and found a specialist brokers for £1050 for the car declaring the headlight claim on our Motorhome.

 

[The Wino]

We had a £700 claim for a bird hitting a headlamp on our Hymer (the quote was £1500) and the separate insurance on our sports car increased by over £1000 annually with the same company even with max no claims discount.
We looked elsewhere and found a specialist brokers for £1050 for the car declaring the headlight claim on our Motorhome.

Did you work out the increased insurance cost over the next few years as a matter of interest?. I always thought claiming less than£1000 wasn't worth it maybe I need to up the amount.

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[Steve and Denise]

Did you work out the increased insurance cost over the next few years as a matter of interest?. I always thought claiming less than£1000 wasn't worth it maybe I need to up the amount.

We would not have claimed had the Hymer dealer told us the correct price in the first place £700 but they told us £1500 hence the claim.
That was 2017 3years on our van insurance has come back to somewhere near what it was taking into account inflation

 

[The Wino]

We would not have claimed had the Hymer dealer told us the correct price in the first place £700 but they told us £1500 hence the claim.
That was 2017 3years on our van insurance has come back to somewhere near what it was taking into account inflation

Yes I realised we were on a similar wavelength and the original higher quote made you bother claiming I just wondered how the increased premiums stacked up combined for all your vehicle's.
As I know I'm never going to bother with small claims I usually also go for a fairly high voluntary excess to bring the premium down so small claims are definitely not worth it.

 

[Steve and Denise]

Yes I realised we were on a similar wavelength and the original higher quote made you bother claiming I just wondered how the increased premiums stacked up combined for all your vehicle's.
As I know I'm never going to bother with small claims I usually also go for a fairly high voluntary excess to bring the premium down so small claims are definitely not worth it.

From memory the MH was a couple of hundred increase little toad about £50 my Transit van also about £50 but they appeared not to want to keep my sports car policy and they no longer take on that type of car but am quite happy with the new insurers specific policy.

 

[Stealaway]

After a £4 grand claim Carole Nash wanted to put mine up 25% on all vehicles insured with them - for four years.
I went else where with no extra cost in premium.
Never been back to Carole Nash since

 

[The Wino]

From memory the MH was a couple of hundred increase little toad about £50 my Transit van also about £50 but they appeared not to want to keep my sports car policy and they no longer take on that type of car but am quite happy with the new insurers specific policy.

As we have 2 ordinary cars a classic and the motorhome it sounds like my guess of anything less than £1000 not being worth it is about right although it probably ought to be £1000 above the excess.

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[Spriddler]

I've not made an insurance claim on a couple of incidents due to the compulsory excess and risk to premium hikes on my other vehicles.
The behaviour of most insurance companies is despicable.

 

[The Wino]

I've not made an insurance claim on a couple of incidents due to the compulsory excess and risk to premium hikes on my other vehicles.
The behaviour of most insurance companies is despicable.

I think the way they operate would be fine if they were more transparent on how claims affect future premiums. I think the problem is they want to sell expensive all things covered protected no claims policies without making it clear what the reality is if there's a claim.

 

[Steve and Denise]

As we have 2 ordinary cars a classic and the motorhome it sounds like my guess of anything less than £1000 not being worth it is about right although it probably ought to be £1000 above the excess

I have just checked mh is £100 excess no reduction for higher voluntary excess
The car is £1000 excess but is a much more comprehensive policy

 

[pappajohn]

My mate, the nightclub manager, was accused of driving into a pedestrian crossing the road at a junction which he denied.
He reported it to the police and his insurers.
Even though a claim, at this point, hadn't been made his premium increased.
It transpires the claimant is known to police and is a serial claimer, he walked into the car at a junction but the police had to take him seriously.
Dispite the insurers writing to the bloke he never responded but kept complaining to the police and after a couple of years the insurers dismissed the claim and Steve got his premium reduced to what it should have been but never got the increase back

 

[busby]

Had a 27500 claim back in 2009 when a German wrote my Autocruise off..My insurance claimed the whole amount from the Germans insurer and it has never impacted my van or car insurance, pay about 225 for my van and 190 for my car..BUSBY.

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[Lenny HB]

Had an accident in France a few years ago I think it was 2011. Insurance with Comfort who use Aviva, had to deal with Aviva directly. They treated is as a jount fault claim, repair of my van was about £1000. No premium increases.

 

[gus-lopez]

Had a 27500 claim back in 2009 when a German wrote my Autocruise off..My insurance claimed the whole amount from the Germans insurer and it has never impacted my van or car insurance, pay about 225 for my van and 190 for my car..BUSBY.

& that is how it is here & as it should be .None of this scamming knock for knock which is just a way for for companies to collude & scam everyone.

f they were more transparent on how claims affect future premiums.

It shouldn't affect any other vehicle . My mate delivers new cars & people have run in to him a few times,never mentions it to his own insurance companies on his 3 vehicles .Another thing is he doesn't tell them he also drives nearly 100k delivering.
Bro-in-law had the best way, albeit without intent. He regularly changed his name legally. Unfortunately when he moved on to the new one the driving licence, passport, registration documents,insurance , credit cards , etc,etc rarely got changed.

When he died in 2014 it took until last year to sort out the bank account in Hungary.

 

[JJ]

Insurance companies = statistically knowledgeable, self serving, evil opportunists.


JJ

 

[The Wino]

Insurance companies = statistically knowledgeable, self serving, evil opportunists.


JJ

Is there any option?. I think it's sensible to require insurance to be legal I can't see how it would be any better as a nationalised or government run service so it looks like we're stuck with what we've got.

 

[Pjdow]

I made a large claim a few years ago.

at renewal my premium dropped by about 10%, saving me £40.00.

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