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Hi, welcome to Just Answer. I will help you with your question.
Yes, they are likely to be able to demand an increased premium, as there was a claim that was no reported to them. That said, I take your point that it was a no fault claim, in which case, why should it matter .... This is a difficult one, but you would have thought the risk to the insurer does not increase due to this, as she would not be more risky simply because somebody hit her.
But, their policy documents will allow them to do this, and to remove the no claims in the circumstances I'm pretty sure - they usually do. Obviously, though, it depends on the specific policy here.
What I'd recommend is a formal complain to the insurer raising the issues that you set out in your question.
If that doesn't get the premium reduced, then I'd suggest a formal complaint to the financial ombudsman service, and allow him to rule on the basis of what is fair and reasonable, which he will do.
Okay - that sounds good
Thank you very much for your advise Max
The ombudsman website, is: www.financial-ombudsman.org.uk/
You're welcome ...
one more thing ...
The ombudsman will always bind the insurer, so if he rules against them, there is nothing they can do - so always worth a go in my view. They never bind the consumer, so if it goes wrong, you can look to the Courts etc .
So, use the ombudsman and see where you get to.
I think you have a valid point as there risk shouldn't increase, and the only reason they're allowed often to avoid the insurance (and/or increase the premium) is where they would have known the true facts, the risk would have been different and they would have offered a higher premium or not insured at all.
Hope this helps?
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