Insurance claim

[SirGalahad]

Seems the only really viable option to avoid the hassle of insurance is to either learn to do repair work yourself, not have a vehicle at all, or learn to lie through your teeth, because being honest, especially in this country, is likely to land you in a lot of hot water. All the more painful if you are in fact honest.

Only criminals can make honest mistakes.

Imagine you made an honest error on your Insurance - you then made a claim - this error was then picked up say after a non fault accident and you were convicted of driving without insurance- there goes your ability to get loans, change jobs etc.

 

[HawkEye244]

Only criminals can make honest mistakes.

Imagine you made an honest error on your Insurance - you then made a claim - this error was then picked up say after a non fault accident and you were convicted of driving without insurance- there goes your ability to get loans, change jobs etc.

I'm not sure what your point is, or care to know.

 

[motorbiking]

Only criminals can make honest mistakes.

Imagine you made an honest error on your Insurance - you then made a claim - this error was then picked up say after a non fault accident and you were convicted of driving without insurance- there goes your ability to get loans, change jobs etc.

While its true that, insurance is governed by the doctrine of "uberrima fides" (utmost good faith), the Insurance company is under an obligation to ask everything that is necessary for the insurance to be valid.

See: Consumer Insurance (Disclosure and Representations) Act 2012 http://www.legislation.gov.uk/ukpga/2012/6/contents/enacted

You pretty much have to be negligent, stupid or deliberately misleading to end up with a 3rd party claim being refused. Of course its still easy to insure the wrong vehicle on the wrong day.

 

[wobs]

Pretty normal anyway that - there is no such thing as loyalty with insurance providers.

Absolutely.

I got a quote for £185 on a comparison site by my then current insurer. When I contacted them, they added over £100, and refused to honour the quote.

When I queried it, they tried to claim it was due to a number of factors in the options. When I re-did the quote on the comparison sites, it came out the same, and they still refused to honour, so went with the next cheapest.

 

[noseall]

being honest, especially in this country, is likely to land you in a lot of hot water

FFS, what a dumb thing to say. Mind you - it is Hawk. Stupid RWR.

 

[^woody^]

When I queried it, they tried to claim it was due to a number of factors in the options. When I re-did the quote on the comparison sites, it came out the same, and they still refused to honour, so went with the next cheapest.

Why couldn't you just buy it from the comparison site?

 

[Bodd]

I hit a car in my van. It was so light I never noticed it.

A week later I get a call from a fella telling me he's caught it on cctv..

Yes you could see the car move I titch.

I suspect the damage into his wing is not all my doing.

Can I despute it and being it's not a massive claim, will my insurance company just pay out or possibly back me up.

Bod

Ps I've had a rubbish Christmas

The quote for the repair is just shy of £1300.

My excess is £250. I have protected no claims but the insurance company will slaughter me. This will go against my car and Van insurance. Should I bite the bullet and just pay out of my own pocket?

 

[SirGalahad]

The quote for the repair is just shy of £1300.

My excess is £250. I have protected no claims but the insurance company will slaughter me. This will go against my car and Van insurance. Should I bite the bullet and just pay out of my own pocket?

Is the quote from an approved repairer? If so you can get it done for half that.

 

[Bodd]

Is the quote from an approved repairer? If so you can get it done for half that.

Yes but he insists that it's an approved dealer. Which is his right. I've not really got a leg to stand on have I .

 

[SirGalahad]

Yes but he insists that it's an approved dealer. Which is his right. I've not really got a leg to stand on have I .

I would get his quote and then ring someone else who is capable of making those repairs. Switching from Merc for services and the odd repair to an independent specialist saved me a bucketload.

If you repair this it will cost you £1300

If you go through insurers it will cost you £250 plus 5 years of higher premiums. Will your premium rise by £200 next yr and for each year after?

 

[KenGMac]

Bodd, good evening.

Did you see the CCTV images? where were they obtained from??
Was there a clearly displayed "Warning CCTV in operation 24 / 7" sign ??, no signage CCTV is NOT admissible.

You could consider contacting Crime-stoppers to report a suspected Crash for Cash event??

Also contact your Insurer and report an attempted Crash for Cash fraud?

Your Insurance handler you talk to MUST escalate any potential report, even a whiff of potential fraud up the line to your Insurers Fraud prevention department, if nothing else, your insurer will at least make some rudimentary investigations.

 

[Bodd]

Bodd, good evening.

Did you see the CCTV images? where were they obtained from??
Was there a clearly displayed "Warning CCTV in operation 24 / 7" sign ??, no signage CCTV is NOT admissible.

You could consider contacting Crime-stoppers to report a suspected Crash for Cash event??

Also contact your Insurer and report an attempted Crash for Cash fraud?

Your Insurance handler you talk to MUST escalate any potential report, even a whiff of potential fraud up the line to your Insurers Fraud prevention department, if nothing else, your insurer will at least make some rudimentary investigations.

Hello Ken

I think he's claiming more damage than I did but I can't believe it's any more sinister.

Are you saying if there is no sign saying CCTV in operation I may have some leverage?


All I want him yo do is consider a cheaper firm and I'll be more than willing to pay as I have {it appears) hit his car Al be it lightly as I never noticed.

Bod

 

[^woody^]

no signage CCTV is NOT admissible.

This is not LA Law.

Our local plod are actually taking action if you are a cyclist and send them your helmet cam footage of nasty motorists. The cyclists don't have signs.

 

[KenGMac]

woody, good evening

OK I have a dash cam, one of the front / rear type.

The instructions and "bumph" that came with the device states quite clearly that you MUST display the sign provided that is at one an Advert and second a "Warning" of the CCTV being captured.

As for a cyclist??? where can the cyclist "display" such a sign??? on his helmet?? on his / her back pack?? as for cyclists there is no static displayable area, unlike a motor vehicle where a sign in a car window is at least semi-permanent.

Bodd, as far as I know no "Warning" sign, no claim, simple as that.

There was a protracted post on this site as regards this "legal" point.

Suggest you ask to see the "damaged vehicle" and if you can check on the notice???

Think about it? why do local Authorities post signs on lampposts as regards CCTV being captured

Ken

 

[Bodd]

woody, good evening

OK I have a dash cam, one of the front / rear type.

The instructions and "bumph" that came with the device states quite clearly that you MUST display the sign provided that is at one an Advert and second a "Warning" of the CCTV being captured.

As for a cyclist??? where can the cyclist "display" such a sign??? on his helmet?? on his / her back pack?? as for cyclists there is no static displayable area, unlike a motor vehicle where a sign in a car window is at least semi-permanent.

Bodd, as far as I know no "Warning" sign, no claim, simple as that.

There was a protracted post on this site as regards this "legal" point.

Suggest you ask to see the "damaged vehicle" and if you can check on the notice???

Think about it? why do local Authorities post signs on lampposts as regards CCTV being captured

Ken

The camera was a neighbours from the house Was not his camera