Just looking for a bit of advice on a situation that's happening to me at the moment.
Back in March 2017 noticed my car wasn't where I'd parked it.
This is in London, so first checked https://trace.london/ to see whether the council had taken it and the car wasn't listed.
Called up Trace London just to be sure and they told me to call the police and report it stolen as no London council had the car.
Called the police,
they confirmed the same thing,
spoke to the insurance company (Diamond) and started the process of the claim.
I got £250 about a week later in lieu of a courtesy car from the insurance company.
Police called me a couple of weeks later to say they couldn't find the car anywhere and told the insurance company to write it off.
Sent logbook and car keys over to the insurance company and they paid out £1,550.00 (after my excess) on May 4th.
Fast-forward to now and have had a call from the insurance company saying the police have found the car, that the council had taken it all along and that it's in the pound.
I asked on the phone since the car had effectively been transferred to Diamond whether they were offering me the option of getting the car back, or if they were forcing me to collect the car and pay back all the money.
They said since it wasn't an "insurable event" it was void and they would force me to collect the car and repay all the money.
Now aside from the fact that there's a bill of several thousand pounds for it being in the pound this long (as I'm pretty sure this will amount to procedural impropriety? the police have given me a reference number which I'm hoping means I could pick the car up without having to pay anything),
can the insurance company force me to do this?
In the event that car's "found" after being stolen everything else I see online says it's now the insurer's car not mine.
Can they force me
(by force I mean take me to court to get the money back),
or is it just the claims handler being pushy?
He did put me on hold to check
just wondered whether anyone had been in anything similar and whether there was anything to this "chargeable event" thing.
How are cars that are stolen, parked illegal, and then towed to the pound treated for example?
Any thoughts or advice welcome thank you!