Drivers hit with £100 insurance hike for claims that weren’t their fault

Drivers hit with £100 insurance hike for claims that weren’t their fault
Drivers hit with £100 insurance hike for claims that weren’t their fault

Drivers involved in incidents that weren’t their fault are paying almost as much in inflated insurance premiums as those that were to blame.

Almost two thirds of drivers involved in a claim were not at fault yet on average their premiums have risen by 26 per cent, or £102.

That’s only £34 less than the £136 increase for drivers who were at fault.

In total, British drivers face a collective price rise of £180 million for accidents that weren’t their fault.

Sadly for blameless drivers even incidents that aren’t their fault have to be declared to insurers or they risk invalidating their policy.

However, according to research by comparison site uSwitch, almost a quarter (24 per cent) of drivers are unaware that these accidents have to be declared and more than than one in ten drivers (13 per cent) say they deliberately haven’t declared.

Among their reasons for not doing so include wanting to preserve their no claims discount and being worried about a claim being added to their policy.

Plain wrong

Sabrina Webb, insurance expert at uSwitch.com, said that the current way premiums are calculated was unfair to drivers

She commented:: “Our research shows that non-fault claimants are being forced to pay a premium for someone else’s careless driving when they renew their insurance policy. The fact that you pay only marginally less than someone who has caused an accident if you are the innocent party is just plain wrong.

“What’s worse is that many drivers feel forced to not tell the truth when they come to renew their insurance policy, and are likely storing up problems and expense further down the line.

“The insurance industry needs to stop this unfair practice that does little more than penalise innocent motorists.”

Not disclosing a non-fault accident to your insurer could lead to future claims being rejected and your insurance policy being invalidated. In extreme cases, insurers may refuse to offer cover or charge a higher than normal premium. Even if you don’t want to make a claim you must inform your insurer or run the same risks.

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