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Insurance Claim Against Me
muntjachater
post Wed, 3 Feb 2021 - 20:37
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Hi. I received an email from my insurers in May asking why I had been in an accident & hadn't notified them.
I sent back immediately saying I had not been in an accident & that they were being scammed. Thought nothing of it.
Just received my insurance renewal proposal and there's a claim detailed of £2359, my premium has been doubled & my NCD has been cut back.
Phoned insurers & was advised that firstly they haven't paid any money out. The insurers stated to me that they had received a solicitors letter which gave no details at all of the alleged incident. Nothing at all - just threatening all kinds of legal action if they didnt pay up & basically threats of this nature.
I was informed that my insurers had replied to this firm of solicitors requesting more details & evidence of the alleged incident, to which to date they had received no response.
This 'claim' is registered on the national database & as an unresolved matter has affected me financially.
I am told that potentially this matter could remain open indefinitely.
Interestingly the solicitors know my name. How did they get this?
If anyone can offer advice in any way I,d be grateful.
The solicitors [whose details I was given by my insurers] do not answer the phone - answerphone always - & do not reply to my insurers emails.
I was thinking of writing to said solicitors asking how they obtained my name [possible breach of data?] & pointing out if they are assisting a fraudulent claim the Solicitors Regulatory Authority should be told. What do you think?
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post Wed, 3 Feb 2021 - 20:37
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Korting
post Thu, 25 Feb 2021 - 18:02
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QUOTE (DancingDad @ Thu, 25 Feb 2021 - 16:20) *
An example, a friend of mine had his car parked outside his house, on the street. His wife's car was parked immediately in front.
A car that had been parked further up the street (it is a gentle slope) had not had its handbrake applied fully and it rolled.
Sideswiped both my friend's car and his wife's then went on to hit another couple before coming to a stop.
Nobody was in any of the parked cars.
The rolling car insurance paid up fully, no argument, took 100% liability.
Both my friend and his wife had their renewal premiums loaded and when they queried were told it was because they had been in an accident.
Still cannot work that one out.


Surely if you can prove that your premium has increased because of a non fault accident, you could claim that back from the 3rd party involved. I'd be interested to see what a Court would make of it.

This post has been edited by Korting: Thu, 25 Feb 2021 - 18:03
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cp8759
post Thu, 25 Feb 2021 - 21:12
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QUOTE (DancingDad @ Thu, 25 Feb 2021 - 16:20) *
Why would someone like that be more at risk after the accident then before?

Who cares? It's not about causation, it's about correlation. If there's a statistically greater chance of a claim, you price the premium accordingly.

QUOTE (Korting @ Thu, 25 Feb 2021 - 18:02) *
Surely if you can prove that your premium has increased because of a non fault accident, you could claim that back from the 3rd party involved. I'd be interested to see what a Court would make of it.

Can't see why a court would not make an award for that.


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mickR
post Thu, 25 Feb 2021 - 21:42
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QUOTE (cp8759 @ Thu, 25 Feb 2021 - 09:09) *
QUOTE (mickR @ Wed, 24 Feb 2021 - 21:37) *
But im actually still laughing at the assumption he made about my drive

I'm bemused as to how you conclude the statistics used by insurance companies are somehow inaccurate.


One accident in 35yrs when an errand car with no driver! Yes no driver found its way down thw hill i live on, into my drive and hits my car thats been parked safely in the same place all my other cars have for 35yrs and yet somehow you agree that "statistically" im more liable to have an accident laugh.gif laugh.gif no of course its not an excuse to increase premiums. rolleyes.gif
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big_mac
post Thu, 25 Feb 2021 - 23:19
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I think that the problem is that they lump things together too simplistically.

For example, most companies won't offer me contents insurance as I live within 250m of the sea.
That it is on a hill, or I live on the 10th floor, isn't taken into consideration, even though it's hardly a difficult thing to evaluate.

Similarly, they can increase premiums after a claim is made without looking at the details of the claim and whether that claim is really representative of an increased risk.

I haven't looked for a while, but the last time I checked motor insurance was very profitable - I couldn't find an insurance company that makes less than about 15% profit in its motoring division.

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cp8759
post Fri, 26 Feb 2021 - 16:41
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QUOTE (big_mac @ Thu, 25 Feb 2021 - 23:19) *
I think that the problem is that they lump things together too simplistically.

You're not wrong, but the problem you have is the more complex your underwriting, the most costly you non-attributable costs become, and hence the higher your per-policy overheads. Ultimately for most insurers it's more profitable to have a somewhat simplistic system that permits you to write cheaper policies on average, than to have a super-duper underwriting platform that can take a million variables into account, because once you spread the overhead costs amongst all the policies you sell, you'll lose a huge number of customers with pretty standard needs & circumstances (who just go to your competitors) in exchange for gaining just a handful of customers who have very bespoke needs & circumstances.

This is why brokers like Adrian Flux will always be around. But they have very high costs too (the cost of selling policies over the phone only is horrific) so if your circumstances are pretty standard, they can actually turn out to cost a lot more than just using a price comparison site.


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muntjachater
post Wed, 3 Mar 2021 - 19:29
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Thanks Jlc
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mickR
post Wed, 3 Mar 2021 - 20:08
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QUOTE (cp8759 @ Fri, 26 Feb 2021 - 16:41) *
This is why brokers like Adrian Flux will always be around. But they have very high costs too (the cost of selling policies over the phone only is horrific) so if your circumstances are pretty standard, they can actually turn out to cost a lot more than just using a price comparison site.

Despite their costly business model they are in some cases significantly cheaper that comparison sites. They were 2/3 of the the cheapest comparison site price on my daughters car.
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nigelbb
post Thu, 4 Mar 2021 - 07:05
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QUOTE (mickR @ Wed, 3 Mar 2021 - 21:08) *
QUOTE (cp8759 @ Fri, 26 Feb 2021 - 16:41) *
This is why brokers like Adrian Flux will always be around. But they have very high costs too (the cost of selling policies over the phone only is horrific) so if your circumstances are pretty standard, they can actually turn out to cost a lot more than just using a price comparison site.

Despite their costly business model they are in some cases significantly cheaper that comparison sites. They were 2/3 of the the cheapest comparison site price on my daughters car.


The don't have the extra overhead of paying backhanders to Gocompare or Comparethemarket etc


--------------------
British Parking Association Ltd Code of Practice(Appendix C contains Schedule 4 of POFA 2012 ) & can be found here http://www.britishparking.co.uk/Code-of-Pr...ance-monitoring
DfT Guidance on Section 56 and Schedule 4 of POFA 2012 https://www.gov.uk/government/uploads/syste...ing-charges.pdf
Damning OFT advice on levels of parking charges that was ignored by the BPA Ltd Reference Request Number: IAT/FOIA/135010 – 12 October 2012
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muntjachater
post Wed, 10 Mar 2021 - 17:54
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Just to update. So far I have received initially £50 for the hassle followed by a refund of £80 for the cancellation fee on the other policy I took out and yesterday a further £200 compensation with a lengthy letter of apology. . I think this has been as a result of the journalist Jill Insley of the Question of Money column in the Sunday Times getting involved. It certainly didnt do any harm. If anyone's interested she tells me this is being featured in her column this coming Sunday.
I,ve spent hours on sorting this out & to start with I got nowhere so I've no sympathy with them. It took 20 minutes to get through on the phone & the usual response was 'computer says no' type thing. I must have spoken to 5 or 6 different claims handlers. Now senior managers are dealing with it only because of the fear of bad publicity. They were absolutely useless and I wasted too much time on it.
I also got a comprehensive letter of advice from DVLA following my letter to them voicing concerns about possible cloning of reg number which was encouraging.
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