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Aug 12

Posts: 16

gj6n68 says:

No Fault in Accident and Insurance Premium

Hi All,

Unfortunately, I was part of an accident in August while I was on my motorcycle and someone hit me from back.

Now though the other person and his insurance company have accepted full liability and responsibility and my insurance company has said that I would get no claims certificate in the end of my insurance term, I am curious to know if my insurance would go up just because my name would be on accident database ??

Would it affect my car and motorcycle insurance ???

Thanks in advance...

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  • Posted 3 years ago (25 September 2012 14:56)

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Mar 09

Posts: 8941

jaffa90 says:


database? New on me,

All accidents should be disclosed (last few years) upon any renewal your fault or not.

In my case as yours with non fault it did not increase my premiums.:smile

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Aug 09

Posts: 2716

MarcusMarsh says:

Accident / Insurance

I'm with Jaffa :smile

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Feb 09

Posts: 541

jon66 says:


database exists and if you have claimed a single penny from your insurance company whether your fault or not you will pay more , my wifes increased by 33% , insurance companies are robbing barstewards

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Apr 10

Posts: 115

tim8061 says:

Robin Barsterds


You're now classified as a higher risk, you shouldn't have stopped in such an exposed position.

My wife's car premium went from £180 to £550 after a no fault shunt. The parasite MDs have to earn their bonus somehow.

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Sep 12

Posts: 124

Rotop says:


just put your details in on a price comparison site with and without a non-fault crash and see what happens.

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Apr 08

Posts: 3042

AdieR says:


how it works is: you have a non-fault accident, claim off the other parties insurers, inform your insurer (because they need to know of "insurance related events".

Then, because you've been in a no-fault accident, YOU'RE considered to have a higher risk of a fault-accident (claim against you) in the next (3 IIRC) years. (I think its on the site somewhere).

Christ knows how they work that out - I've had 2 non-fault incidents in little over 6 months, so renewal time will sting a bit...

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Apr 06

Posts: 367

ACIC says:

No fault accident and insurance premium increase

No-fault accidents often do result in increased premiums as the actuaries (highly paid statisticians) calculate involvement in a no-fault accident makes you a higher risk going forwards!

Regards, Andrew Campbell, Bikelawyer

MCN Legal Expert and MCN Law columnist


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