That’s a joke, really? What about No claim bonus. Because right now I still have my no claim bonus,N4LLY wrote: ↑Mon Nov 14, 2022 9:47 pm Even if you call your insurer to 'enquire' about making a potential claim, the cost goes up for 5 years.
Learned that lesson a few years ago. No claim made, paid cash for a new headlight assembly, premium went up 20% for 5 years. The pheasant I hit was also keeping shtum.
It makes no sense why would a premium go up if you have an accident where the other person is completely at fault. That’s absurd.
I have been offered by my insurance, every time I called them, is to make a claim on my insurance and then they will pursue the third party for the expenses with ‘legal’ obligation and they will be forced to either defend their case at court or pay up.
But if I chose this, then it is a claim on my policy.