Hi,

Had an accident in November 2009 (i know, it's ages ago!) reported it to Insurance (not police as guy said he'd pay at road side then when i got quotes he changed his mind...)

Basically, just called them for an update and they say they are looking to close claim by end of the month / first week in feb - nothing has been paid out and i still have a damaged car (TPFT insurance) so i've effectively paid them £1.5k on a 1.0 6n2 (standard ) for sweet F/A?

my question is - as i've had to declare accident (at fault - when i'm not but has to be put as fault until proven otherwise) this year which put my insurance up, if claim falls through (fingers crossed) and i get my no-claims back (which they have said i will) would i be entitled to a refund of some money for my current insurance with it being such a long time since it was taken out (current insurance was taken out in May 2010 for 12 months)

and will i have to declare accident in the future?

Thanks in advance

Sorry if this is a re-post but couldn't find anything...

Yes, you will get a refund.

Yes you have to declare the accident in the future. If you win in your favour; your insurance will still rise. Insurance companies claim that once you have had a crash, statistically you are more likely to crash again. it's something like a 15% rise.

If you win in your favour; your insurance will still rise. Insurance companies claim that once you have had a crash, statistically you are more likely to crash again. it's something like a 15% rise.

but if it gets closed with no money paid out...?

therefore, no win or loss...

Also i think them statistics are stupid...

once you've crashed once, surely you'd be less likely to crash again as you know what to look for...!

anyway, if it's 1.5k for 3 years running, i'm walking to work. all 7 miles of travel, incl hard shoulder of m-way!

If you win in your favour; your insurance will still rise. Insurance companies claim that once you have had a crash, statistically you are more likely to crash again. it's something like a 15% rise.

but if it gets closed with no money paid out...?

therefore, no win or loss...

Also i think them statistics are stupid...

once you've crashed once, surely you'd be less likely to crash again as you know what to look for...!

anyway, if it's 1.5k for 3 years running, i'm walking to work. all 7 miles of travel, incl hard shoulder of m-way!

7 miles?? it'd probably be cheaper getting a taxi to work every day.

yep 7 mi.

and a taxi would be more expensive on a per-day basis but on insurance, it would be cheaper but then that means having no car... so i'll just stick with insurance and having a car