Non fault accidents increasing insurance?

[A7 UFO]

A7, it seems to me that you're getting confused. If someone hits you, and you get their details, and you make a claim, their insurance company pays for it, therefore it's a non fault, and it doesn't affect your premiums (unless you're under 21, apparently lol). What Danny is saying is that if someone does something to your car, but you don't get details (hit and run, criminal damage) then if you make a claim, you're insurance will pay for it, and it will affect your premiums.

err you didn't claim on your insurance.  You claimed on the other guys insurance (ie the one who went up the back of you) didn't you?  A non fault claim is if someone hit you but they weren't insured itsn't it?

that's what I said.  That if you make a claim through the offending persons insurance it shouldn't effect your premium.

[twistedblack69]

A non fault claim is if someone hit you but they weren't insured itsn't it?

That's the opposite of what I said. Lol I don't know if you're getting confused with what I said, or I'm getting confused with what you said.

[A7 UFO]

isn't a non fault claim a claim you make on your own insurance but where the fault wasn't yours?  ie malicous damage, being hit by an uninsured driver, hit and run etc?

[DannyOOOOO]

i'll try and clear this up for you 

non-fault - you go through someone elses insurance.
fault - you go through your insurance - even if its theft, vandalism, hit + run-no matter what if it goes through yours its fault.

[A7 UFO]

thank you 

[Ben_1uk]

Your policy can still be effected with a non-fault accident if the value of the claim is not settled in full as I have found out the incredibly long and frustrating way! Make sure the party at fault coughs up every penny!

[tom-gardiner]

my accident wasnt my fault, all parties claimed off the muppet that hit me insurance and mine didnt go up atall. sorry to hear urs has mate!!