I had a house roof land on my brand new car in 2013, the insurance said it was a no fault claim but informed me my premium will rise even so. They then said it was my fault???
I argued my point how could a parked car having a house roof land on it in a well publicised storm be my fault. They said it was because they couldn't claim from anyone for the damage. They did however see reason and reverted back to no fault. Premium went up 30.00.
When I renewed my Dolomite insurance being a good boy I told them as required about it. The broker said that it was strange that I had been told it was no fault and has to be recorded as a fault claim. They checked with the underwriters who agreed that it should be an at fault claim and said that my classic policy should increase. However they said it would be grossly unfair under the circumstances and left it as it was.
I have since changed both insurances and the new insurers accepted it as no fault so some do do the right thing.
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