[PhilJ]

After alighting from my car in car park, car rammed at side by hit and run driver. It was stolen car, police unable to identify driver. Therefore, told by insurer that although not my fault must state my fault on insurance renewal as driver of accident unknown. Policy renewal quote from previous £550 to £1800.
Am told I must legally state my fault on any insurers quote for 5 years, even though not my fault. This is most unfair, but told no option.
This is like being found guilty when innocent. Do I have any options?

[olduser]

Did your policy cover uninsured drivers?

I would see what the FSA has to say about this;

https://www.financial-ombudsman.org....help/insurance

If all fails, I would put on future applications a full explanation of the incident, and try and get crime number from police to include .

[Rolebama]

A friend had a claim, and his renewal tripled, because he had Protected no-claims. He was told he still had his full no-claims, but the premium had tripled. When I had a spurious claim against me, I temporarily lost 2yrs no-claims. I Protected no-claims is ridiculous, and it makes me wonder if maybe you had protected?

[Drivingforfun]

"Fault" is a bit of a misnomer as it actually just means "could not locate anyone else to attribute fault to"

I wonder if the industry has ever thought about having 3 levels? i.e.

non-fault, identified 3rd party
non-fault, unidentified 3rd party
at-fault

If nothing else, in this world of sugar-coating things would maybe make it more palatable for customers – it's a bit of a slap in the face to essentially be told having a crime committed against you is your fault

[Nick]

Yeah, a "fault" claim sometimes doesn't mean the incident was your fault, it just means that in insurance terms they weren't able to recover the funds.

Out of interest - you say it was a hit and run by a stolen vehicle and the driver wasn't traced - was the car? That's the important piece of the puzzle from an insurance perspective - if the car was traced then your insurer would claim from the company that insures the stolen vehicle.