Disagree with diagnostics report

[ToeKnee]

When my car was hit while parked in the street, police attended the scene, and they have me the details of the driver including his insurer's name. I then proceeded and claimed directly off the other party's policy, while submitting a 'notification only' notice on my own policy. Both policies were with Aviva, BTW. But I agree that if you don't know who the other party is insured with, it gets more complicated.

Was there any comeback at renewal time with a "notification only" tag on your file?

 

[markjay]

Was there any comeback at renewal time with a "notification only" tag on your file?

Don't know - there was no 'renewal time'.... the car was totaled.

It was on a multi car policy, so I took it off my policy and got partial refund.

 

[BTB 500]

Was there any comeback at renewal time with a "notification only" tag on your file?

An insured vehicle being damaged always has the potential to affect the base premium (before NCD), whether a claim against the policy was involved or not. Historically 'no blame' incidents weren't considered a risk factor, but that's generally not the case nowadays.

What is a non-fault claim?​

A non-fault car insurance claim is one you make when a car accident isn’t your fault. If that’s the case, your insurance provider can recover the total cost of a claim from the person whose fault it was (known as the liable party).

This is the opposite of an ‘at-fault’ claim, which is when you are liable for damages. But you can be involved in an accident that wasn’t your fault where the claim still gets classified as an at-fault insurance claim.

Usually it happens if you have an accident that’s caused by an unidentified at-fault party (perhaps an animal jumps out into the road or the at-fault driver causes the accident but drives off) and there’s no one to claim against. When that happens, you become liable.

Do I need to declare a non-fault accident?​

Yes. You need to declare all accidents that you’re involved in, regardless of who or what was at fault.
Almost every insurance company will have a clause in their policy requiring you to declare any incidents you’ve been involved in while driving in the past five years. If you don’t report something and your insurance provider finds out about it later, they could consider this 'non-disclosure', which could invalidate your policy.

Does declaring a non-fault claim affect my insurance?​

Yes, unfortunately, it will be recorded on your claims history. In many cases, your premiums will go up after you’ve declared a non-fault claim. This is because your insurance provider will view you as a higher risk in future, even if it wasn’t your fault.

https://www.comparethemarket.com/car-insurance/content/do-non-fault-claims-need-to-be-declared

 

[st13phil]

Historically 'no blame' incidents weren't considered a risk factor, but that's generally not the case nowadays.

It seems to be a bit of a lottery. Some insurers load premiums, some don’t and those that do may not depending upon the circumstances of the “non fault” claim.

My cynical nature inclines me to the belief that the uncertainty is deliberately created in order to discourage claims.

 

[markjay]

It seems to be a bit of a lottery. Some insurers load premiums, some don’t and those that do may not depending upon the circumstances of the “non fault” claim.

My cynical nature inclines me to the belief that the uncertainty is deliberately created in order to discourage claims.

Part of the issue is that there's no specific cost element associated with previous incidents.

Next year's renewal might be higher, but then there's no way of knowing if the premium would have gone up anyway, or it was the result of the reported incidents.

I tried asking the person on the helpline once, buy they didn't know either - they just get the new premium from the computer and they have no idea how the price was derived.

 

[m80]

Next year's renewal might be higher, but then there's no way of knowing if the premium would have gone up anyway, or it was the result of the reported incidents.

You can find out any difference on the comparison sites, input the info, see the result, remove said info and look at the results again.