Martin Lewis has warned drivers may pay more through no-fault of their own (Image: ITV)
has revealed a simple car insurance secret which could see innocent motorists hit with higher fees.
Drivers involved in could even though they were not the cause of the collision.
Martin stressed this was because motorists’ perceived “actuarial risk” may have increased
It left one frustrated individual to hit out at car insurance firms on the
Listener Craig wrote into the show concerned about firms “jacking up” premiums for road users.
Drivers may be perceived as being a higher risk after any claim (Image: Getty)
Craig argued that increasing pieces for motorists even if they were not at fault for accidents was “legalised robbery”.
Replying on the show, Martin explained that this was “not a new thing” with motorists affected by this issue for a while.
Martin explained: “Even if it is a no-fault accident. Actuarially the fact that you’ve been in a no-fault accident increases the prospective future risk that you may be in a no-fault accident again.
“This is because you put yourself in situations where, or you’re in an area where, a no-fault accident has happened, it can increase the risk tables based on insuring you.
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“It is incredibly frustrating that it happens but that is why it is happening.”
He added: “So whether it’s allowed or not, you might want to argue that shouldn’t happen, but that is currently allowed to happen and why the pricing differs.”
Experts at stressed that a non-fault accident will not have an impact on no-claims discounts in a boost for many who haven’t had a collision in years.
However, they still admitted some road users could see fees rise with the incident still recorded on their driving history.
They explained: “Yes, it will be recorded on your claims history.
“In many cases, your premiums will go up after you’ve declared a non-fault claim.
“This is because your insurance provider will view you as a higher risk in future, even if an accident wasn’t your fault.”