Hi What does your policy documents show. Do they mention the points on the insurance documents?

Hi Do you remember when you called them to give the new address as they have all calls recorded? you can ask them to search the call logs from the phone you called from etc (e.g give them your number or estimated datesyou could have called them). They can see who had accessed your files in those dates etc. Let us know what happens with the ombudsman

Hi As you have cancelled within the 14 days cooling off period you should not be charged (unless you have made a claim). As the policy might not be something you had wanted etc etc If they do charge then it should be a charge for the 12 days you were covered. or a small cancellation fee. not the amount they have charged you. Let us know what happens

Hi You have a loan agreement with close premium finance. They have a default fee of £40 for any missed Direct debit payments. Close will try again to take the payment of £37.00 + £40 = £77 a few days later from your account. after second / third attempt close will cancel loan agreement. Meaning you owe your insurers the remaining money. What you want to do is terminate the loan agreement with close. To do this you have to contact the your insurance company / Broker and ask them you want to cancel with close and want to make remaining payment of insurance to them directly. what will that amount be. I think they call it Claw back figure. Your insurance will contact close and work out remaining insurance amount which you can pay to your insurance company / broker directly. This way you avoid the defualt £40 fee. then cancel with your bank close Direct debit account. Let us know what happens

Hi Some insurance companies are lazy and delay claims, especially when they know it is costing them nothing. I bet if your car was in the garage (occuring storage charges for being there, then they soon would have settled your claim). as you have the car and it is costing them nothing, they can delay your claim etc etc. Best method is to phone LV and ask who is the claim handler for your claim (take his / her full name and there phone number e.g extension). Then everyday (maybe twice a day morning and afternoon) keep phoneing this person and asking him what is happening with your claim. Why as it not been settled etc. Ask him has the engineers report been completed yet. and what does the report say etc (e.g is your vehicle repairable or a total loss etc). post what happens.

I like to remind everyone that this forum is to help people / give them advice. not get into stupid arguments. issue about having a valid MOT or not and being on the road is a total diffirent issues. as traders can get trade plates and drive cars (i.e to drop off points) which may not have mot or tax. and the list goes on and on the issue is with missy. from my experience this (Valid MOT etc) is up to the insurance company. Missy you will have to read your policy terms and conditions (the booklet supplied with your policy from your insurers, you should be able to download one from there website). now some insurers still payout even if your dont have a valid mot certificate, but they reduce the value of your vehicle by XX amount for not having a valid mot certificate. but i have seen some other insurers (especally those insurance companys who dont like paying out and find any excuse) say that in there terms and conditions it clearly states that you must have a valid mot certificate else your insurance is not valid, and they are not paying out at all. i think this second approach is a little unfair (but that is my opinion) best of luck missy tell us what happens

gyzmo is right undelying damage e.g to back panel (behind bumper) and maybe to the bumper enforcer (that goes behind the bumper). Many cars have less visiable damage looking at it, but underneath parts could be damaged / cracked / dented. which all need replaceing. also an independent engineer would have come out and inspected there vehicle for the damage. plus apart from adding labour cost you also need to add paint and material cost (to paint the bumper, back panel etc if it is colour coded). and the cost of the hire car while the vehicle is being repaired. all these cost add up

Hi Zurich is a insurer that does not / trys not to pay out to third partys. They drag cases on for years over small stupid points, causing headache for the non fault drivers. purse with the claim (if you have fully comp then claim of your own insurance and get them to take Zurich to court etc) best beat is to ask abbany to issue court precedings (or treaten court procedings). let us know what happens

Hi all I agree with daviet1976. looks like there is a Personal Injury Claim. Also the third party driver could ask for repair money from your insurers as: cash in lieu. the driver can take this money (and it is up to them how / when to repair there car, etc etc)

Hi I have just registered with the site, and this is a old thread. But i like to answer it as others might have same question. I like to strongly disagree with your statement that the garage had over estimated or did not make a accurate estimate with your vehicle. The garage and insuance company did you a favour, i.e your vehcile was written off / total loss. You received payment for your vehicle (£1065) and you bought the vehcile back for the salvage value £50. You repaired it; total costing £500. seems that its you who had more benefit from the claim (as you would have recieved nothing if they had repaired it. and you would have had to pay the garage the excess). Now looking at the garage estimate (just an idea as i dont have the estate or any idea of the damage to your vehicle): 1) You bought second hand parts from the internet. Insurers and Repair Garages don't use second hand or Replica parts. They use only new dealer / manufacterers parts. They have to estimate cost at new parts prices. Also for older cars,new parts (if they our available) our harder to get hold of or are more expensive and have to be specially ordered in (e.g Rover parts). 2) You fitted the parts yourself. Garages our a business and have to charge Labour costs (number of hours to repair vehicle * company hourly rate). 3) Also the repairer has to make sure that repairs to your vehicle our all correct with no problems. As they have to give you a 3 year parts, repair, paint etc guarantee. There is no guarantee with the repairs you have done. 4) Your vehicle was front damage. Therefore the garage inspector must have checked the radiator and might have saw some crack/ dents/ damage to the radiator (damage you might not have seen). which might cause prblems later and he/she must have thought best to change the front radiator to save you problems later. Imagine if your vehicle was repaired and few months later the radiator was leaking and worst case your engine overheated (e.g causing major mechanically problems). i am sure you will be the first one to blake the garage for NOT inspecting / repairing your vehicle proply. 5) Another point is value and repairs of vehicle . Your vehicle value was £1065. Ignoring garage repair cost. It has cost you Approx £500 to repair this vehicle. that is approx 50% of the cars value. As a general rule insurers write vehicles off; if repairs cost are coming more the 50% or 60% of cars value. As the vehicle is stripped down / getting repaired, more damage might become visible etc (i.e more costs, pushing the 50% estimate up more). 6) Insurance company our very tight, if they could save a few quid they will. But even they have seen it is best and easy for older cars to be total losses. As in the long run will cost insurers more in fixing them. Disagree with the garage: 1) You can disagree with the value of your vehicle and insurers can change the value offer (same insurers offer you upto 3 offers). But best method is to show to insurers that your vehicle has a higher market value then what there engineer has quoted. Do this by looking on net and in car magazines (like the autotrader), finding similar vehicles to yours (e.g make, model, age, reg, doors, milage etc) advertised for more value then what they have quoted. Showing them to buy this car again would cost you X amount. A note: Your car now is not worth the full value, if you make a claim on your vehicle (yours is a third party but if it was fully comp ) you would not get full value for your car as the insurers have already paid out for it. This is a good site and i hope i can learn and teach others on this site. any queries reply back.