Is there a way of sorting this?
My eldest lad is being treated unfairly due to someone else's bad driving and his premium has been loaded!
A few months ago my lad (37) was in his house and he heard a load bump outside (sounded like a wheelie-bin falling over). He looked out and his neighbour (who has a mobility supplied car) had driven 12 feet straight into the front of his 4 series BMW. She had a BMW too!
He went out and she apologised and admitted liability (she had to of course). My lad suspects that she had been drinking otherwise there is no explanation as to why she did such a stupid thing.
His car was repaired (Sytner BMW at of cost of about £1250). It needed a new bumper and strengthening bar behind it. This was from a neighbours car parked next door!!!
To get his car back he had to pay £350 excess. He was without that money over Christmas and has just managed to get it back after her insurance company admitted responsibility. Being a Mobility car she doesn't have any aggro.
His insurance is now due for renewal and this 'accident' which was no fault of his has increased his premium significantly.
He passed his driving test first time and then took the PassPlus test. He has never had a speeding fine and never had a claim. He has protected 'no claim cover' but of course the initial premium is what sets the end figure.
Recently he passed his motorcycle test and then 'big bike' test.
His insurance company say that data shows that people who have 'no fault' claims are more likely to have a 'fault' claim.
How can this be fair?
Has anyone had the same situation and if so can it be 'disputed/corrected' ?
My eldest lad is being treated unfairly due to someone else's bad driving and his premium has been loaded!
A few months ago my lad (37) was in his house and he heard a load bump outside (sounded like a wheelie-bin falling over). He looked out and his neighbour (who has a mobility supplied car) had driven 12 feet straight into the front of his 4 series BMW. She had a BMW too!
He went out and she apologised and admitted liability (she had to of course). My lad suspects that she had been drinking otherwise there is no explanation as to why she did such a stupid thing.
His car was repaired (Sytner BMW at of cost of about £1250). It needed a new bumper and strengthening bar behind it. This was from a neighbours car parked next door!!!
To get his car back he had to pay £350 excess. He was without that money over Christmas and has just managed to get it back after her insurance company admitted responsibility. Being a Mobility car she doesn't have any aggro.
His insurance is now due for renewal and this 'accident' which was no fault of his has increased his premium significantly.
He passed his driving test first time and then took the PassPlus test. He has never had a speeding fine and never had a claim. He has protected 'no claim cover' but of course the initial premium is what sets the end figure.
Recently he passed his motorcycle test and then 'big bike' test.
His insurance company say that data shows that people who have 'no fault' claims are more likely to have a 'fault' claim.
How can this be fair?
Has anyone had the same situation and if so can it be 'disputed/corrected' ?