Zero claim affects premium?

Hi

I had a small accident where a pedestrian stepped out in front of me and got herself knocked down. She was a schoolgirl not looking and listening to her Ipod. She was ok, just a bit shocked and the car had a small depression on the bonnet, which you can't see cos it's bluuu. The point is, the childs family are not claiming cos it was her fault, but I have to declare a £0 claim with the insurance company which has put my premium up £100+ with admiral. Rung around a couple of others, and it's the same story
Anybody any ideas with a sympathetic insurance co who can look at the situation relistically? I have 15 years no claims, and they want £550 fully comp!

(I have tried the ones on the list here, but no joy)
TY in advance for your suggestions

The Admiral group are bug*ers for increasing premiums due to non-fault accidents...justification is that their underwriters believe that if you have been involved in a non-fault incident you are statistically more likely to make a fault claim...
I had a row with Elephant about this...problem is they were still the cheapest by far at the time so I didn't really have a leg to stand on

thats right...they said they load it at an average claim cost....which was £800! How is that fair?

Well I guess it's not fair

Are Admiral still cheaper than Noel Dazely and Greenlight?

Haven't been able to get one from ND - they were backing up their software when I rang!

Greenlight were higher, said they couldn't get below £600

Will give ND another go today, fingers crossed!

Try HIC, Liverpool Victoria and Adrian Flux too

Quote:

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justification is that their underwriters believe that if you have been involved in a non-fault incident you are statistically more likely to make a fault claim...

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it's actually Actuaries that conduct the statistical analysis to determine how x y and z situation should be priced (e.g. people with 1 claim (fault/non-fault) in the last 3 years, as opposed to people with no history - how much more on average will they cost the company).

In some lines of insurance (talking mass market lines though) Senior (or technical) underwriters then go away and review the information and activate certain recommendations in the insurance models depending on what they want to do. In other lines the actuaries have more power and what they say goes.

If it's proved that people with 1 non-fault or zero claim will cost the insurer more £££ in a given amount of time, then it's fair that they should pay more. Underwriters should manage the pool of risks to the best of their ability, and that means charging people "fair" prices (backed up by actuarial data). If a certain area of the country has less claims, they pay less (we all believe this is fair, although it's more difficult to accept insurance pricing when you get a price rise, same with everyone unfortunately - even an underwriter that understands the models gets annoyed when he has to pay more - human nature).