How long to sort a basic insurance claim?
Discussion
A year ago a van - delivering Amazon stuff reversed into my car. No problem, he admitted it, said it was his fault and showed me his insurance - it was a hired van and the documentation indicated insurance was in place. It was all witnessed by one of my neighbours who saw the whole thing.
Phoned my insurance co, who had the car collected and taken off to a local repair shop. I collected it a couple of days later, paid the £400 excess and went away happily. I hadn't needed the car so no hire/loan car was needed or supplied. All pretty straightforward. Total cost of the repair was £900.
Except the van's insurer said they didn't insure it, someone else did. The someone else denied it and said the van's insurer did. At least according my insurance company. This has gone on for a year now.
Is this just disorganisation, or is something else going on? On renewal my premium increased by £15, which didn't seem much.
Phoned my insurance co, who had the car collected and taken off to a local repair shop. I collected it a couple of days later, paid the £400 excess and went away happily. I hadn't needed the car so no hire/loan car was needed or supplied. All pretty straightforward. Total cost of the repair was £900.
Except the van's insurer said they didn't insure it, someone else did. The someone else denied it and said the van's insurer did. At least according my insurance company. This has gone on for a year now.
Is this just disorganisation, or is something else going on? On renewal my premium increased by £15, which didn't seem much.
Thanks for the advice. Unusually for PH, I've actually followed it. 
I've had a conversation withy my insurer who has managed to rediscover the missing bits, and the 3rd party has now agreed to pay up in full. Should be sorted in a couple of weeks.
The cynical side of me thinks it smacks a little of 'The cheque is in the post. We'll see...
I've had a conversation withy my insurer who has managed to rediscover the missing bits, and the 3rd party has now agreed to pay up in full. Should be sorted in a couple of weeks.
The cynical side of me thinks it smacks a little of 'The cheque is in the post. We'll see...
An Update. The 3rd party insurer did eventually accept liability and the claim was settled with my insurer, no fault on my behalf. Got the claim settlement details from my insurer. Excellent. Now I can claim my excess back.
Phoned them, and they deny a)they settled the claim and b)according to MID someone else was insuring the vehicle, and MID is never wrong, so phone up the insurer named on MID.
I phone up the insurer named on MID. They say it is the insurer that has admitted liability and MID is not definitive in identifying a particular insurer on a specific day.
Phone my insurer again, and they confirm they have been paid and liability 100% accepted as they originally said.
Where next?
Phoned them, and they deny a)they settled the claim and b)according to MID someone else was insuring the vehicle, and MID is never wrong, so phone up the insurer named on MID.
I phone up the insurer named on MID. They say it is the insurer that has admitted liability and MID is not definitive in identifying a particular insurer on a specific day.
Phone my insurer again, and they confirm they have been paid and liability 100% accepted as they originally said.
Where next?
Yet another update! Following the advice here (whatever next!!) spoke to my and the alleged their insurance companies again, with no progress.
So decided to write to the driver, as advised. Started the letter, and the postie visited.
And there was a cheque for the full amount of my excess from some company I've never heard of! Turns out they are the holding company for my insurer.
So result. Only taken 18 months!
Thanks for the advice
So decided to write to the driver, as advised. Started the letter, and the postie visited.
And there was a cheque for the full amount of my excess from some company I've never heard of! Turns out they are the holding company for my insurer.
So result. Only taken 18 months!
Thanks for the advice
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