Insurance companies

[edb49]

Does anyone have a list of insurance companies, ignoring the white label? E.G. Admiral/Elephant/Diamond/Bell are all the same company underneath. I'd like to find a list of these companies, can anyone help with that?

[Reload]

Do you mean insurance providers? Or underwriters?

[edb49]

Insurance providers... basically someone drove off from an accident, AskMID aren't helping, so I am just going to phone up all the insurers to see who covers the guy that drove into me.

[Reload]

Isn't that what your own insurance company is for? If you contact them, they should check up on whether or not the other vehicle is insured.

[ZOLLAR]

Its unlikely they will talk to you as your not related or know the policyholder, have you contacted the police?.

Edited by ZOLLAR on Thursday 24th June 10:41

[edb49]

Reload said:

Isn't that what your own insurance company is for? If you contact them, they should check up on whether or not the other vehicle is insured.

It's complicated... my own excess is greater than the cost of the repairs. My car was stationary, other vehicle reversed into it and drove off. There were two independent witnesses, one even took a photo. There are two insurance companies registered on the MIB, which is why AskMID aren't giving me the details.

The police are aware and have written to the registered keeper who claims to have sold it. Police have also contacted the person he claims to have sold it to, who in turn said he'd sold it to a gypsy with no address.

Basically because my excess covers it, I can't see my insurance company spending much effort trying to find out who should pay up. I am going to have to fight for this one myself...

[edb49]

ZOLLAR said:

Its unlikely they will talk to you as your not related or know the policyholder, have you contacted the police?.

Edited by ZOLLAR on Thursday 24th June 10:41

Actually they will - I tried calling up Admiral as a "test case", and said I wasn't insured by them but was involved in an incident with registration XYZ. They searched their DB and couldn't find it. So I know it's not them who insured...

[edb49]

Aha, just thought and found this:

http://www.mib.org.uk/Company+Information/en/Membe...

Question is, it would be really good to have that same list but sorted by number of insurance policies, so I can phone the largest first. Am I asking too much? :|

[ZOLLAR]

edb49 said:

ZOLLAR said:

Its unlikely they will talk to you as your not related or know the policyholder, have you contacted the police?.

Edited by ZOLLAR on Thursday 24th June 10:41

Actually they will - I tried calling up Admiral as a "test case", and said I wasn't insured by them but was involved in an incident with registration XYZ. They searched their DB and couldn't find it. So I know it's not them who insured...

Yes but if it was insured with admiral they wouldnt have discussed the policy or opened a claim on your instruction they would advise you to contact the police too.

Edited by ZOLLAR on Thursday 24th June 10:51

[edb49]

ZOLLAR said:

Yes but if it was insured they wouldnt have discussed the policy or opened a claim on your instruction they would advise you to contact the police too.

Not sure you're right about that, I think if the insurer has reasonable evidence their insured was involve in an accident then they have to pay a claim. Obviously they'll contact their insured first to see what they say, but with independent witnesses etc..

[aka_kerrly]

You are in the same kind of position as me and based on my experience of insurance companies and the police not a lot is happening without me constantly hassling them. I opted not to go through my insurance as my excess is £100 less than the expected bill and by claiming my premium will increase by over £150 so id be quite out of pocket.

What annoys me is that we have yet to establish a date for a court hearing so in the meantime i keep seeing the guy driving around when as far as myself, my insurance company and the police know the guy has NO insurance, his car isnt registered or taxed for use in the UK - fair system?!

dave

[ZOLLAR]

edb49 said:

ZOLLAR said:

Yes but if it was insured they wouldnt have discussed the policy or opened a claim on your instruction they would advise you to contact the police too.

Not sure you're right about that, I think if the insurer has reasonable evidence their insured was involve in an accident then they have to pay a claim. Obviously they'll contact their insured first to see what they say, but with independent witnesses etc..

They obviously would contact the policyholder but what im saying is they wouldnt discuss their policy with you or open a claim on your instruction regardless of how much evidence you have first, they would advise you to contact your insurer who in turn would contact them through the correct channels.

[edb49]

I am constantly hassling, it annoys me the guy drove off after damaging my car!

[edb49]

ZOLLAR said:

edb49 said:

ZOLLAR said:

Yes but if it was insured they wouldnt have discussed the policy or opened a claim on your instruction they would advise you to contact the police too.

Not sure you're right about that, I think if the insurer has reasonable evidence their insured was involve in an accident then they have to pay a claim. Obviously they'll contact their insured first to see what they say, but with independent witnesses etc..

They obviously would contact the policyholder but what im saying is they wouldnt discuss their policy with you or open a claim on your instruction regardless of how much evidence you have first, they would advise you to contact your insurer who in turn would contact them through the correct channels.

Still don't think you are right on that one - they may *ask* me to do that, but they can't force me to do that. What if I am a homeowner without a car, and someone drives into my front wall and damages it? How would I 'claim' for that? Home insurance isn't compulsory and it is the motor insurer's responsibility. Ditto if you were a cyclist etc.

[sday12]

There used to be a thread on here with the numbers anyone? mods?

[ZOLLAR]

edb49 said:

ZOLLAR said:

edb49 said:

ZOLLAR said:

Yes but if it was insured they wouldnt have discussed the policy or opened a claim on your instruction they would advise you to contact the police too.

Not sure you're right about that, I think if the insurer has reasonable evidence their insured was involve in an accident then they have to pay a claim. Obviously they'll contact their insured first to see what they say, but with independent witnesses etc..

They obviously would contact the policyholder but what im saying is they wouldnt discuss their policy with you or open a claim on your instruction regardless of how much evidence you have first, they would advise you to contact your insurer who in turn would contact them through the correct channels.

Still don't think you are right on that one - they may *ask* me to do that, but they can't force me to do that. What if I am a homeowner without a car, and someone drives into my front wall and damages it? How would I 'claim' for that? Home insurance isn't compulsory and it is the motor insurer's responsibility. Ditto if you were a cyclist etc.

Believe im right i work for Admiral, they wouldnt dismiss your information they just wouldnt take any instruction to open a claim if it came from you, its best to speak to your insurer they will get the info you need.

[Reload]

edb49 said:

ZOLLAR said:

edb49 said:

ZOLLAR said:

Yes but if it was insured they wouldnt have discussed the policy or opened a claim on your instruction they would advise you to contact the police too.

Not sure you're right about that, I think if the insurer has reasonable evidence their insured was involve in an accident then they have to pay a claim. Obviously they'll contact their insured first to see what they say, but with independent witnesses etc..

They obviously would contact the policyholder but what im saying is they wouldnt discuss their policy with you or open a claim on your instruction regardless of how much evidence you have first, they would advise you to contact your insurer who in turn would contact them through the correct channels.

Still don't think you are right on that one - they may *ask* me to do that, but they can't force me to do that. What if I am a homeowner without a car, and someone drives into my front wall and damages it? How would I 'claim' for that? Home insurance isn't compulsory and it is the motor insurer's responsibility. Ditto if you were a cyclist etc.

He's not saying that they can force you to speak to the police, what he's saying is that they will not disclose someone elses policy details to you, as you are not the policy holder. It's a small matter of the Data Protection Act.

[edb49]

Reload said:

He's not saying that they can force you to speak to the police, what he's saying is that they will not disclose someone elses policy details to you, as you are not the policy holder. It's a small matter of the Data Protection Act.

Err... no! See Section 35 under Part IV of the DPA.

[edb49]

And besides... you don't need the policy holder's details, all you need for the claim is for the insurer to admit they insure, and then provide suitable evidence.