27/01/2026
Wait... my insurance goes up even if it wasn't my fault?" 🛑
It’s the most common question we get from frustrated drivers. The short, uncomfortable answer is: Yes, it often does.
Why? Because insurers use "risk profiling" algorithms. Even if you are innocent, having an "open claim" on your file makes you look statistically riskier to them. This can lead to premium hikes of up to 15-20% at renewal, plus you have to pay your excess upfront.
But there is a loophole. By using independent claim coordination, the claim goes directly to the at-fault driver's insurer, bypassing your policy's "open claim" trap entirely.