Insurers being silly over child seats
Discussion
Hi all. I was hit from behind two years ago. To start with their driver tried denying it and it took over a year for them to admit liability. Now they’re refusing to pay for replacement car seats saying maxi cosi have a warranty in place to cover this. I was told by admiral to get them replaced immediately and had no idea, I’ve told their law friends (who I seem to be doing a LOT of the work for!!) that the other sides insurers can ring them if they like, but was wondering if anyone had had similar and what you did?
budgie smuggler said:
Been a while since I worked in insurance but you have a duty to mitigate losses. However that normally just means you have to take 'reasonable' steps not to incur expenses which could have been avoided. E.g. not hiring some massive SUV when you only need a fiesta.
I would think it's entirely 'reasonable' to simply replace the child seats if you were not aware of Maxi Cosi's replacement policy.
Honestly though, what time-wasting tight-arse dickwads niggling over this on a fault accident.
My thoughts exactly but the law is, I suppose, the law. Basically I will go via Maxi Cosi but if I get no joy I’m wondering what the strength of the argument is that I can’t mitigate losses on a policy I had no knowledge of. If they hadn’t denied it for a year and been a bit more proactive we might have been able to do things differently. Is it likely to be an ombudsman thing do you think? I can show I never had a courtesy car, even when mine was in the garage.I would think it's entirely 'reasonable' to simply replace the child seats if you were not aware of Maxi Cosi's replacement policy.
Honestly though, what time-wasting tight-arse dickwads niggling over this on a fault accident.
Thanks all for replies.
It’s this I think they’re getting at https://www.maxi-cosi.co.uk/c/swap-service
It’s this I think they’re getting at https://www.maxi-cosi.co.uk/c/swap-service
I reported it to admiral insurance who dealt with everything two years ago. It’s now finally got to admiral law, who have come back to me saying the third party don’t want to pay for cage car seats as I didn’t attempt to mitigate losses, citing this exchange thing that I knew nothing about. They’ve also asked me to go to maxi cosi and ask them for a refund. Admiral law are washing their hands by the look of it until I speak to maxi cosi who I really can’t see are going to send me any cash but we’ll see.
Petrus1983 said:
popegregory said:
Petrus1983 said:
Sorry - another question - who finally paid you any money for the accident - Admiral or the third party?
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