HB, I have to admit I have only just noticed the MASSIVE anti PM message in your sig, my apologies I had not realised that this was frowned upon.

Thanks, but since the post that you highlighted I have passed the post limit and would assume that I am free to PM now. I will attempt to send one over

I don`t know why but I just get the feeling that there are a lot of snooping insurance brokers frequenting this site, to be expected I suppose. That was the reason that I wanted to PM UncleB, worried about giving a heads up to the moral-less, tele-fraud enemy.

Hi HB, I understand your point, and have posted all information publicly now. I was, at the time, referring to the fact that I had one more post until I can use you as an intermediary as I could not PM yourself either! But, as I said, I have posted it publicly now and just hope I have not unintentionally posted anything that I should not have. I do not intend to use PM now and UncleB`s account does not accept PM`s at all anyway I believe. Thanks for your concern

Sorry, I am writing this also to get the information straight in my own head. I think you are right. I should request all info from all parties concerned via subject access request. I guess that if I just pay the 50% cost i will keep my NCB and that will be the end of it for both me and the insurers which is tempting but I feel that they have more to gain from this arrangement than myself, indeed, something fishy going on.

After the phone call to the broker when my policies were denied/cancelled I did something, that with hindsight, was stupid, I had spoken to the one other driver on these policies and after establishing that there was definitly no more than one claim on the policy, he is a 55 year old trustworthy, professional tradesman that I have known all of my life, I decided that the insurers must have fabricated the claims and I was worried that the insurers were using this CUE database (I had never heard of it before these phone calls to the broker) to rip me off. I did try to ascertain the truthful information regarding my claims but was unable to. I was either told the dates but nothing else, left on hold indefinitely or on another occasion I was told, the claim has been settled, you will lose your no claims bonus to which I replied "how much was the settlement". To which I was told "I am not sure but it may be £567." I had already started another policy before the no claims loss information came to light. In conclusion I simply did not believe the information I was being given by the people responsible for handling these claims. I therefore went about searching for an insurer that accepted online payments in the naive hope that they would be automated and not consult this database. Although this was stupid you have to understand that these were commercial policies and I had been left with no vehicle at all with which to complete my commercial commitments. This makes me sound like a big business, but I am not. I am a self employed roofer with a family and a mortgage. I did not have the funds to pay £1800 for insurance. I did find such a company and insured both of my vehicles for the expected amount of money, around £350 each. Obviously the new insurers were soon in touch and I had to disclose the claims on the database, now, instead of three, there was only one but it had changed from in progress as it had been a couple of days earlier to settled, at fault, £600. I have paid the extra £200 per policy, if I had disclosed the claim from the start it would have only cost me maybe £30-£50 per policy. I am also now worried that my no claims bonuses will be taken away, obviously I did not have this information to disclose at the time of ordering my new policies but this may again increase my premium. What a mess, I hope this is clear enough for you guys to understand.

They have offered to let me pay 50% of the total claim amount to have it changed from an at fault to non fault claim on the system.

despite the claim being 15 months old

I believe that the broker in question did not realise that I had another policy with the same company and because of these claims he had to cancel that policy also. Not being able to cancel the policy on the grounds of the fabricated claims he then had to cancel it due to the one real, in progress, claim that they are now withholding the settlement date information regarding. This claim has been exaggerated and should have been challenged by my insurers on the grounds of not matching info from my accident report. I believe that they rushed through the settlement after the phone call or maybe have still yet to settle the claim. I hope that the claim should have been rejected altogether! The damage was a small scratch to the paintwork of a board, quite probably a wooden board, covering the place where the glass window should have been. The insurers have no evidence or pictures of this damage they have already admitted that.

The fabricated claims existed in the phone calls only, when I contacted another broker they were not on the system. I am 100% sure of this since contacting my past insurance provider. The difficulty is in obtaining truthful records of these phonecalls. They were made to a seperate broker and maybe not connected to a policy that ever went live. However I do have a copy of the inflated quotation with the claims listed on it. I am worried that they may argue that I submitted the claims myself.

I would very much like to get hold of recordings of the telephone calls, I would expect that the call where the two fabricated claims are discussed would disappear somehow, but I believe that I brought them up again when talking to the cancellation dept. I do not think that this recording could go missing, I would expect that this recording constitutes the agreement of a contract cancellation and would need to be kept by the insurers?

Thanks for the reply, I think this case will be difficult to resolve and I may need to sent subject access requests to two or three companies. Not that that would be a problem. I am in the process of a formal complaint already should I get as much info as possible this way first or am I just wasting time in your opinion? One more post until I can PM:)

My insurance company has said that they have paid the claim but have apologised as it would seem that the claim is exaggerated and does not fit the description I gave in my accident report. They have said that in light of my report the claim should probably have been investigated and the damage disputed. This was in response to my asking for evidence/pictures of the damage vehicle and evidence of the date of settlement.

Hello again, Can anybody tell me the best way to verify that a claim has been paid from my insurance to a third party? Would my insurance company be able to falsify this type of document? If I contacted the third parties insurance could/would they help me?

Thanks Honey Bee, that`s really helpful The case is getting a bit complicated and there would be a lot of stuff to send, maybe I will wait a while and make sure it is absolutely necessary. Thanks again