Someone made a false insurance claim without my knowledge
Discussion
As the title says, somebody has made a false insurance claim against me and it got rid of my NCD.
I’m a new driver 19 years of age, I started driving in April 2020, passed my test in Feb 2020. I’m on a black box policy and I had to buy 2000 additional miles as I was driving a lot more. After buying these miles, my insurance sent me my new documents, which is the same thing I got at the start of my insurance policy but just updated my mileage on it. I kept reading it to just make sure all the details are correct and I saw that a claim back in September 2020 was made and the only description on it is “claim added from ops” and that’s how I found out about it, it also had these details:
Own damage: N/A
Third Party: N/A
Personal injury: N/A
NCD Prej’D: Yes
Fault: Yes
Pend?: Yes
Driver was ‘proposer’ and ‘type’ was Accident.
I wasn’t contacted by anyone through phone email or letter. And I for sure was not in any accident at all. What can I do? I’m just worried because I’m already paying £200 a month for my insurance and I don’t want that to be increased when time comes to renew my policy.
I’m a new driver 19 years of age, I started driving in April 2020, passed my test in Feb 2020. I’m on a black box policy and I had to buy 2000 additional miles as I was driving a lot more. After buying these miles, my insurance sent me my new documents, which is the same thing I got at the start of my insurance policy but just updated my mileage on it. I kept reading it to just make sure all the details are correct and I saw that a claim back in September 2020 was made and the only description on it is “claim added from ops” and that’s how I found out about it, it also had these details:
Own damage: N/A
Third Party: N/A
Personal injury: N/A
NCD Prej’D: Yes
Fault: Yes
Pend?: Yes
Driver was ‘proposer’ and ‘type’ was Accident.
I wasn’t contacted by anyone through phone email or letter. And I for sure was not in any accident at all. What can I do? I’m just worried because I’m already paying £200 a month for my insurance and I don’t want that to be increased when time comes to renew my policy.
Miserablegit said:
If you have a black box then, presumably, the insurance co. will know if there was an accident or not from the data logging- as others have said get on the phone to them this am.
Best of luck
That’s a very good point. I’d be amazed if you couldn’t prove you weren’t in an accident as you effectively have 24 hour crash monitoring fitted to your car!Best of luck
andy43 said:
That’s a very good point. I’d be amazed if you couldn’t prove you weren’t in an accident as you effectively have 24 hour crash monitoring fitted to your car!
Why? It could be any kind of accident that wouldn't show on a logger (clipping a wing mirror, scraping a car, etc)andy43 said:
That’s a very good point. I’d be amazed if you couldn’t prove you weren’t in an accident as you effectively have 24 hour crash monitoring fitted to your car!
Or, the insurance have already reviewed the black box data, and concluded that it was a fault accident, but more than likely they have had a report, and are in the process of investigating.That’s what I’m shocked about, I wasn’t contacted at all and surely if it is something as serious as this then I should be contacted but it’s been apparently 5 months and nothing. The black of effectively is a gps in your car tracks how fast you accelerate, brake etc. But I don’t think they use it for that as I had to brake harshly before and my score stayed the same. They only probably use it to track mileage as it’s a mileage based policy.
this happened to my wife a couple of years ago,
someone claimed she had reversed into them in a car park.
The ins co had tried to contact via e-mail, but because my wife never checks her e-mails and also doesn't really get involved with the insurance she was non the wiser.
They eventually sent her a letter to explain that the claim had been processed and recorded on her policy
We rang to contest stating that we didn't think the claim was valid and they agreed not to touch her no claims bonus, but it's still recorded as a claim on her insurance for renewal purposes.
someone claimed she had reversed into them in a car park.
The ins co had tried to contact via e-mail, but because my wife never checks her e-mails and also doesn't really get involved with the insurance she was non the wiser.
They eventually sent her a letter to explain that the claim had been processed and recorded on her policy
We rang to contest stating that we didn't think the claim was valid and they agreed not to touch her no claims bonus, but it's still recorded as a claim on her insurance for renewal purposes.
So there’s a claim made against you in September. Weird how you had someone vandalise your car in September and then again in October, your assumption by the same people. You really need to have a proper think about what was going on around that time.
But in any case, phonecall to the insurers is going to help more than anyone on here can.
ETA linky .. https://www.pistonheads.com/gassing/topic.asp?h=0&...
But in any case, phonecall to the insurers is going to help more than anyone on here can.
ETA linky .. https://www.pistonheads.com/gassing/topic.asp?h=0&...
bigandclever said:
So there’s a claim made against you in September. Weird how you had someone vandalise your car in September and then again in October, your assumption by the same people. You really need to have a proper think about what was going on around that time.
But in any case, phonecall to the insurers is going to help more than anyone on here can.
I was thinking it could be the same people but I know when this happened I didn’t let my insurer know as the excess to fix something would be too high. But in any case, phonecall to the insurers is going to help more than anyone on here can.
Mandat said:
Have the insurance company found out about the vandalism, and are treating the damage as a claim?
No they haven’t found out about it, I didn’t call them and tell them it was vandalised. I just tried calling them now but I’m gonna have to call Monday as they’re closed over the weekend. My insurer is a broker so I tried calling my ‘actual’ insurance and they said that they don’t have access to broker policies so I’m gonna have to wait.I’ll keep this updated for anyone that is interested. And this is the full story as stands. My car was vandalised back in September and October but only 2 tires were slashed, wing mirror smashed and brick thrown at roof rail.
I didn’t call my insurance about this as the excess would be too high to fix through my insurance.
I only found about this claim when I looked at the updated documents when I purchased additional miles.
Either way if the police did inform my insurance somehow, why did they put it down as my fault and that it was an accident it doesn’t make sense.
I didn’t call my insurance about this as the excess would be too high to fix through my insurance.
I only found about this claim when I looked at the updated documents when I purchased additional miles.
Either way if the police did inform my insurance somehow, why did they put it down as my fault and that it was an accident it doesn’t make sense.
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