RSA Insurance

Author
Discussion

dba7108

Original Poster:

607 posts

182 months

Saturday 4th January
quotequote all
I was hit by an RSA Motability driver 20 months ago. RSA have admitted responsibility and sent an accessor out who wrote the car off. This was November and in spite of countless emails I've heard nothing back. You can't call them as the automated message advises to email only. Motability has now been taken over by direct line for the insurance. They say I should only deal with RSA.

Does anyone on here have any contacts at RSA or advice please?

MOMACC

494 posts

51 months

Saturday 4th January
quotequote all
Try their complaints team - crt.halifax@uk.rsagroup.com

Why are you not using your insurer to help you pursue the claim?

The big yin

269 posts

55 months

Saturday 4th January
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Hope this helps

RSA Insurance Group Chief Executive Email and Telephone
Mr Ken Norgrove Chief Executive

Email ken.norgrove@gcc.rsagroup.com

Telephone 01403 232 323
Switchboard 01403 232 323
Website https://www.rsagroup.com
Social Media T

Postal Address Floor 8, 22 Bishopsgate, London, United Kingdom, EC2N 4BQM

Rider007

274 posts

108 months

Saturday 4th January
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Might as well flush those emails or calls down the pan. They are bds to deal with. https://www.trustpilot.com/review/rsagroup.com

BertBert

20,294 posts

225 months

Saturday 4th January
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If you can't get a response from them then start legal action with a letter before action

KungFuPanda

4,510 posts

184 months

Saturday 4th January
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Just imagine you were in a credit hire vehicle for 20 months while they were sitting on their arses doing nothing?!?!

Bill

55,648 posts

269 months

Saturday 4th January
quotequote all
MOMACC said:
Why are you not using your insurer to help you pursue the claim?
This. Or an ambulance chaser.

Decky_Q

1,793 posts

191 months

Saturday 4th January
quotequote all
They admitted liability so get on to an accident management company and they'll have you in a nice hire car within hours and they'll screw RSA hard for every day they delay settling the case. I'd say you'll be paid out in a week.

ConnectionError

2,071 posts

83 months

Saturday 4th January
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Why have you left it for 20 months?

Aretnap

1,844 posts

165 months

Saturday 4th January
quotequote all
Decky_Q said:
They admitted liability so get on to an accident management company and they'll have you in a nice hire car within hours and they'll screw RSA hard for every day they delay settling the case. I'd say you'll be paid out in a week.
The OP seems to have managed without a hire car for 20 months (perhaps he's already replaced the car?), so justifying why he needs one now might not be a simple task.

Added: Or he mentioned November in the post - does he mean 2 months?



Edited by Aretnap on Saturday 4th January 20:13

BertBert

20,294 posts

225 months

Sunday 5th January
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That makes a big difference. 20 months is way too long. 2 months is just a bit slow. However there is no contract to adhere to between the OP and the 3rd party ins co, so maybe 2 months or 3 or 4 is perfectly normal.

It does illustrate the answer to the perennial PH ins question. In a non-fault accident, do you go through your own ins co/AMC or claim direct. The answer being it depends on how much effort you are happy to put in if the 3rd party ins co is not very cooperative (or not at all cooperative).

vikingaero

11,906 posts

183 months

Sunday 5th January
quotequote all
dba7108 said:
I was hit by an RSA Motability driver 20 months ago. RSA have admitted responsibility and sent an accessor out who wrote the car off. This was November and in spite of countless emails I've heard nothing back. You can't call them as the automated message advises to email only. Motability has now been taken over by direct line for the insurance. They say I should only deal with RSA.

Does anyone on here have any contacts at RSA or advice please?
The theory behind dealing direct with the third party Insurer is that they supply a loan car and repair your car or payout quickly which keeps their costs down. However as you've experienced, you've been screwed over by RSA, and your claim is likely lost.

If you went through your own Insurer, you could argue the cost of the vehicle with them, invoke their complaints procedure and head to the ombudsman. With the third party Insurer you have no rights to using their complaints system or the ombudsman because you are not their cusotmer. Many people forget that a lot of Insurers guarantee the repairs for the lifetime of you owning the vehicle; with the third party Insurer, how many sts do you think they give?

BertBert

20,294 posts

225 months

Sunday 5th January
quotequote all
Why do you think the claim is lost? Do you mean they've lost the paperwork or that something has happened that means the OP doesn't have a claim any more?

It looks to me that the OP does have a claim, but probably needs to up the ante, probably towards or in court.

ETA for anyone who remembers it might be "under consideration" or "under active consideration"!

Sir Bagalot

6,761 posts

195 months

Sunday 5th January
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I have used third party insurers before, simply to save the grief of dealing with credit hire cars.

Not going to lie, if they had dragged their feet I would simply revert to my own insurers

havoc

31,725 posts

249 months

Sunday 5th January
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Sorry for the obvious question, but why not go to your own insurers? Y'know...the party that DOES owe you a duty of care...

BertBert

20,294 posts

225 months

Sunday 5th January
quotequote all
havoc said:
Sorry for the obvious question, but why not go to your own insurers? Y'know...the party that DOES owe you a duty of care...
I could be wrong, but your insurers owe you want you have contracted to and what the Insurance Act (and others) covers. But not sure so much about duty of care per se.

loskie

6,236 posts

134 months

Sunday 5th January
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or take legal advice instead of asking here

havoc

31,725 posts

249 months

Monday 6th January
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BertBert said:
havoc said:
Sorry for the obvious question, but why not go to your own insurers? Y'know...the party that DOES owe you a duty of care...
I could be wrong, but your insurers owe you want you have contracted to and what the Insurance Act (and others) covers. But not sure so much about duty of care per se.
Same sort of thing.

You have a contract with them, you don't have a contract with 3P insurer. Your insurer has to put you back into pre-accident position, or an equivalent to. 3P insurer only has to settle their insured's liabilities, which is (a) different; and (b) open to all sorts of interpretations as to scope and timescale.


So unless OP just has 3P insurance cover (???), my underlying point is "why the **** would anyone in a serious accident or write-off situation not just go straight to their own insurer?"