Almost had a huge crash on the M25

[jdrrco]

And yet some drivers still query why their premiums go up when they are involved in no-fault accidents.... because a good driver will manage to avoid most (though obviously not all) collisions, even those that are not their fault.

Yes, I query it.

My car was in a car park for a week. When I returned it was sratched all along one side. Classed as a "no-fault" claim, so I'm out £350 excess, lost 4 years NCB and premium increased to boot.

"No-fault" frequently has nothing to do with being a good driver.

 

[markjay]

Yes, I query it.

My car was in a car park for a week. When I returned it was sratched all along one side. Classed as a "no-fault" claim, so I'm out £350 excess, lost 4 years NCB and premium increased to boot.

"No-fault" frequently has nothing to do with being a good driver.

Sorry to hear that.

I did say 'a good driver will manage to avoid most (though obviously not all) collisions'. I would have to disagree with your use of the word 'frequently' though.

Last year, a racing Ferrari crashed into a row of parked cars and totalled 3 while damaging several others.

Among the parked cars that got written-off, was my wife's Kia. We did get payment in full from the other-party's insurer, BUT now I have to declare the claim whenever I renew the policy and the price did go up this year....

I fully understand that this is a statistical calculation, and yes sometimes there's absolutely nothing you can do to avoid having to claim on yours or the other-party's policy, but insurance and risk is a statistical trade - same as betting - and it does work in big numbers.

 

[Rashman]

Pics, or it didn’t happen.


Oh wait....

 

[Riva811]

I’m wondering: given that there was a stopped car in lane 1, was there a hard shoulder at this point? As other threads have discussed, smart motorways have some serious shortcomings and seem to be a cause of accidents or at least near misses.

I wouldn't blame it to the lack of hard shoulder, but to lack of paying attention to the road.

 

[Riva811]

Yes, I query it.

My car was in a car park for a week. When I returned it was sratched all along one side. Classed as a "no-fault" claim, so I'm out £350 excess, lost 4 years NCB and premium increased to boot.

"No-fault" frequently has nothing to do with being a good driver.

Yeah if you have a lot of no faults chances are you are a very aggressive driver. I don't agree with being charged more on your premium for a single claim though

 

[moonloops]

And yet some drivers still query why their premiums go up when they are involved in no-fault accidents..

It's because statistics show that drivers who have had an accident are likely to have another one.