Insurance company taking the....
Discussion
Noger said:
Wondering where their lovely car got to, rather than why the InsCo combined the two in the same loss event (which was fair IMHO). After-all, if they found one locally, why not the other ?
Might be fair in their opinion - but probably come as a surprise to a normal person especially when they have to untangle it when inevitably one car is found but not the otherAnd surely the whole point of money laundering is theyre going to use normal looking methods - theyre hardly likely to go in and say hey I'm just doing a spot of money laundering
There was a thread in SP&L where something normal rang the money laundering bells due to it being normal - was it paying £1k into a bank?
Wow, interesting that I am being called a fraudster for wanting progress 2 months after the car was stolen!
90% of people would NOT be wondering where their car is after 2 months, I do not want it back after some scumbag has been driving it for 2 months!
Perhaps I am wrong ans should just sit at home waiting for xxxxxx to chase me to take their money...
Re the 2nd car going, I reported the keys missing and was told by the police AND insurance that there was a very high chance it would be nicked too. I parked it 3 streets away for 10 days and it was fine then parked it outside the house again and it went that night!
Luckily as instructed by police I had the locks changed so cannot be accused of negligence. Police have said it is likely the professionals who took the 911 passed off the keys to the x5 to a low level thief to have a bit of fun in.
If I was going to do a scam surely I would have had decent home insurance and claimed on that too?! In reality I didn't and lost amongst other things, a £13k watch...
90% of people would NOT be wondering where their car is after 2 months, I do not want it back after some scumbag has been driving it for 2 months!
Perhaps I am wrong ans should just sit at home waiting for xxxxxx to chase me to take their money...
Re the 2nd car going, I reported the keys missing and was told by the police AND insurance that there was a very high chance it would be nicked too. I parked it 3 streets away for 10 days and it was fine then parked it outside the house again and it went that night!
Luckily as instructed by police I had the locks changed so cannot be accused of negligence. Police have said it is likely the professionals who took the 911 passed off the keys to the x5 to a low level thief to have a bit of fun in.
If I was going to do a scam surely I would have had decent home insurance and claimed on that too?! In reality I didn't and lost amongst other things, a £13k watch...
Edited by ThatPhilBrettGuy on Wednesday 23 March 01:34
R1 Loon said:
I missed the name of the insurance company, but can guess who it is from the subsequent comments. I can safely say that if this claim sat with my lot it would trip every alarm around fraud.
Surely a genuine fraudster wouldn't do this 
or would they?
From your end are most frauds double cars from the same house or single ones?
mrbon007 said:
If I was going to do a scam surely I would have had decent home insurance and claimed on that too?! In reality I didn't and lost amongst other things, a £13k watch...
Now that sounds well dodgy having such an expensive watch and not claiming for it.I can imagine a fraudster doing that
saaby93 said:
mrbon007 said:
If I was going to do a scam surely I would have had decent home insurance and claimed on that too?! In reality I didn't and lost amongst other things, a £13k watch...
Now that sounds well dodgy having such an expensive watch and not claiming for it.I can imagine a fraudster doing that
I wouldn't be payng this claim either, without a full investigation.
Soovy said:
saaby93 said:
mrbon007 said:
If I was going to do a scam surely I would have had decent home insurance and claimed on that too?! In reality I didn't and lost amongst other things, a £13k watch...
Now that sounds well dodgy having such an expensive watch and not claiming for it.I can imagine a fraudster doing that
I wouldn't be payng this claim either, without a full investigation.
Such cynicism!
If I walk around wearing a £13k watch without insurance its my problem. I'm not claiming so why the stupid comments?
I bet if I came on here saying I was a binman driving a 911 I wouldn't get such rude responses despite it being very suspicious.
Ill post back when the investigations are complete and I have had my payout, until then I can do without being insulted.
If I walk around wearing a £13k watch without insurance its my problem. I'm not claiming so why the stupid comments?
I bet if I came on here saying I was a binman driving a 911 I wouldn't get such rude responses despite it being very suspicious.
Ill post back when the investigations are complete and I have had my payout, until then I can do without being insulted.
Considering you still haven't quite got the idea about not naming and shaming....you are probably not going to make a great fraudster
I don't for one minute think you have hidden your car in a lake. I was just trying to point out that the circumstances are such that you will inevitably get delays. Some are due to the InsCo being generally a bit slow. Some are due to the invesigations. Bear in mind police reports take forever to get. Then there is checking Patsy, the port system. Etc etc.
You asked if it was normal. The answer, given the circumstances, is yes. If you dont want an answer, don't ask a question
Once all the checks are complete, you should get settlement pretty quickly. Getting a decent sum is a whole other topic !
I don't for one minute think you have hidden your car in a lake. I was just trying to point out that the circumstances are such that you will inevitably get delays. Some are due to the InsCo being generally a bit slow. Some are due to the invesigations. Bear in mind police reports take forever to get. Then there is checking Patsy, the port system. Etc etc.
You asked if it was normal. The answer, given the circumstances, is yes. If you dont want an answer, don't ask a question
Once all the checks are complete, you should get settlement pretty quickly. Getting a decent sum is a whole other topic !
saaby93 said:
urely a genuine fraudster wouldn't do this
or would they?
From your end are most frauds double cars from the same house or single ones?
I'm not going into the triggers in depth, but you'd be amazed how many HNW cars are going missing at the moment, especially ones with either a huge monthly payment, or a balloon payment due or were bought outright with cash not too long ago.or would they?
From your end are most frauds double cars from the same house or single ones?
I'm not saying the OP is a fraudster, just that it does tick all the boxes for an investigation.
mrbon007 said:
I'd like to know as well please because as far as I can see this burglary last left me nearly £100k down, almost half of which I will never see again thru inadequate home insurance...
Please don't take this the wrong way, but given your experience and the values being quoted on this thread can I suggest that you use a broker in future. It will cost you more in premiums, but they are best placed to ensure that adequate cover is in place and able to source policies that you won't find on comparetheconfusedmeerkatsupermarket.com, some of which will be much more suited to your needs.OP, the claim and unusual nature has tripped some alarms which take time to work through.
More importantly, it's probably also tripped some potential money laundering alarms, which if raised have to then be investigated, internally at the very least. Unfortunately due to 'tipping off' they can't tell you what the real hold up is, so they basically have to try and string you along until the investigation is complete.
More importantly, it's probably also tripped some potential money laundering alarms, which if raised have to then be investigated, internally at the very least. Unfortunately due to 'tipping off' they can't tell you what the real hold up is, so they basically have to try and string you along until the investigation is complete.
R1 Loon said:
Please don't take this the wrong way, but given your experience and the values being quoted on this thread can I suggest that you use a broker in future. It will cost you more in premiums, but they are best placed to ensure that adequate cover is in place and able to source policies that you won't find on comparetheconfusedmeerkatsupermarket.com, some of which will be much more suited to your needs.
Believe me, EVERYTHING I do has changed as a result of this! Or the thieving scumbags know what this will look like, and do just that. We all know the criminal has all the rights anyway, not the victim who has been stitched up.
Did it not have a tracker device fitted?
I agree, it is very unlucky to have both cars nicked, but the fact it has taken so long is rubbish. If mine got nicked I couldn't wait 2 months to get a payout for another car, and I couldn't afford to buy one in the meantime.
Did it not have a tracker device fitted?
I agree, it is very unlucky to have both cars nicked, but the fact it has taken so long is rubbish. If mine got nicked I couldn't wait 2 months to get a payout for another car, and I couldn't afford to buy one in the meantime.
Edited by ST170Bird on Tuesday 22 March 23:25
ST170Bird said:
Or the thieving scumbags know what this will look like, and do just that. We all know the criminal has all the rights anyway, not the victim who has been stitched up.
I think its time I wheeled out my usual I'm sure these recent insurance schemes to try to protect the innocent victims, in practice are doing the opposite
a) can't backdate insurance if there's been a mistake by the insurer or insured
b) continuous insurance on sunny day cars - if it's ever implemented
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