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Parcel delivery insurance is prohibited under section 57 – Consumer Rights Act – Read about It Here and in The Times.

Mwynci

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Everything posted by Mwynci

  1. Mwynci
    Yeh I agree with this, Cap in hand approach I'd suggest - politely letting the insurer know what it says in their wording, asking them to reconsider their claim.
  2. Mwynci
    They'll probably be suggesting that you failed to give way, hopefully the footage will show you are established on the roundabout long enough for you (your insurers) to suggest this is s lane discipline case not right of way.
  3. Mwynci
    Yes and no, theyhave a duty to deal as per the abi agreements that if a vehicle is deemed uneconomic, structurally dangerous, burnt our, stolen it is placed on the MIAFTR register. This does not mean they can scrap your bikewithout your permission. They can settle in full and have assumed permission, but even then they are chancing it. Even though it may say they will dispose of it in the policy they have no legal right to do that without you're permission. The FOS really dislike insurers doing this and will award compensation of around £500 for it. Put this together with any premium refund (it'll be full if they void) plus interest at 8% pa, a £550 (not 100% sure, I rarely work with insurers these days) FOS fee, the salvage cost (and one of the lamest excuses ever to repudiate a claim, they would bad nuts not to settle this. Go at them all guns blazing, tell them not only is their repudiation ridiculous, you having given them permission to dispose of the bike. They should squirm.
  4. Mwynci
    Regarding liability, where in the right did the third party come from, - entering from the same junction as you, or were they established on the roundabout prior to you pulling out.
  5. Mwynci
    Mini roundabouts are not too bad for liability, if he was coming form the opposite I'm assuming it's a 4 lane roundabout. You then hitting him suggests you were established prior to him entering. Regarding settling your repairs/total loss, that is the correct way to do it, your insurer right now are doing things correctly.
  6. Mwynci
    You mention the bike has been scrapped, if this is the case and they have done this without your permission, this is a massive no no in the eyes of the FOS. This could be a huge bargaining tool for you. I'm not sure if MCE are just a broker, if so, your complaint may be wasted by going to them when you should be going to the underwriter direct.
  7. Mwynci
    Your right I was thinking of syndicate 1225. Ageas were the old fortis. Op, don't go to lloyd's. But do tell us the key situation, it is very important to this case.
  8. Mwynci
    . Did you mention the stolen coat in your statement to the insurer and stolen keys? An unlocked car I'd just a technicality if they have the keys anyway. Ageas are a lloyd's syndicate, go to their complaints department.
  9. Mwynci
    That's a really good point about the underwriting/claims confusion.
  10. Mwynci
    I think Zenith are a Lloyd's (of London not the bank) syndicate, your policy wording will confirm this. If that is the case make a complaint to the Policyholder and Market Assistance department (or whatever they call themselves these days) at Lloyd's, they will get the underwriter moving.
  11. Mwynci
    Unfortunately it's the ico who see a registration plate as personal data. Time date and location, make model, even driver description are fine. the insurer is barely dealing with the issue, you throw fraud in you give them licence to delay even further! Sadly this issue is pretty common, the downside of the MID database, it cuts out the buffer making initial enquiries with the other party direct.
  12. Mwynci
    There's no dpa breaching in giving the third party's insurer details and claim reference. They can't give any of the third party's details though, name reg etc is a no no. one call are just a broker though, you need to speak to the right people at the underwriter, go to their customer relations team. Awkward situation, These type of issues usually fix themselves, but until then paying the extra (which you will be entitled to have back once it's all cleared) hurts.
  13. Mwynci
    I can't decipher that, can you elaborate perhaps?
  14. Mwynci
    If I was in your shoes I'd let this run the full course with the FOS.
  15. Mwynci
    i'd mirror this advice, the OP is far too bogged down in the detail. They need to address the distress and inconvenience of having to satisfy the CCJ themselves, the FOS would give an award probably about £300-£500 for this (and more if there is an adverse affect on the insureds credit report/effect in obtaining credit etc) Apart from that, the insurers have done their job.
  16. Mwynci
    Give the other party's insurer a call, explain the situation and ask if they can get you a bigger car.
  17. Mwynci
    good option.
  18. Mwynci
    They could have you there, the policy probably states that they will repair, replace or cash settle - they will decide. So if they go to the seller direct, they have replaced the item, through a seller you are stating you believe to be providing a true valuation. *** I'll need a bit of help here I'm thinking aloud, help me out guys** However by doing this, does this then mean that they accept the valuation to be true ??? - in return potentially opening up a world of hassle where they could replace through your seller - you in return get a valuation which states it is worth less than what is quoted, they then have to replace with a full value item as they are accepting it *should* be worth more?? Get what I mean?
  19. Mwynci
    Depends what your complaint is about, if it's about the policy being sold, it's Legal and General, if it's about the content of the policy and as you say about not being covered, it's DAS they underwrite the own policies. Need assistance in what it's about? the board may be able to help, or at least offer an opinion?
  20. Mwynci
    They're just clutching at straws, they don't like it, it doesn't tick the boxes and can't be bothered to use some initiative, plain lazy. I'd get back to them right now just telling them you are pleased they have passed it to their customer relations team, you'll wait for them to review the file and get back to you as the handler is clearly not capable. In the meantime, as requested here's the valuers details, please let me know what the outcome of your enquiries with them. The bottom line is the onus is upon you to prove your claim, however upon proof (which you have supplied), if they have queries, they are the ones to make them not you. Obviously if they come back and have spoken to the valuer and he states it was wrong, then it all changes.
  21. Mwynci
    I get the dual insurance mistake, it can be done, but putting a claim into both companies, that takes a bit more doing. Why/how could you do that knowing you have already put a claim in? That is where the fraud angle is coming from. The OP is going to have to have a very good reason to explain that.
  22. Mwynci
    The bottom line is the insurers can settle as they feel correct that will be nicely written into the policy, however within that they need to make sure they have taken into account every aspect of the incident. Ask them to pass the claim to a solicitor for an opinion prior to accepting any settlement, make sure you have access to the solicitor to ensure they have all the evidence to hand. The solicitor will take into account any criminal proceedings and if they will add any weight in a civil matter.
  23. Mwynci
    yep, no door bars, it is one continuous floor, that's the rule of thumb with claims for flooring. They cannot dictate that a threashold bar goes in, it's not their house. Their not indemnifying the floor being damaged. Don't let them push you into this, make a complaint. Complain to the underwriters (it'll be in your policy booklet), not the loss adjusters.
  24. Mwynci
    exactly.
  25. Mwynci
    Doubtful you will get anything, the costs will just be case development costs. The only time they will pursue you for this is if you have tried it on and got them to be involved, even then they'd have to prove that you duped their professional assessment. Having the legal expenses just means which route they will take the funding, i.e. through the funding or get you to sign a no win no fee. ....but as mentioned above, do let the board know if anything happens.

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