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  1. I am currently in a similar situation and wondered if you can give me a bit of advice. https://www.consumeractiongroup.co.uk/forum/showthread.php?472364-Advice-needed-Claims-management-company-court-case&p=5087639#post5087639 Like you i accepted a hire vehicle after a non fault accident and told auxillis/principia that i was not in a financial position to pay for a hire car myself upfront. I don't consider myself to be in a financial position despite savings accounts, as the savings are for a purpose and i didn't think that it was reasonable for me to go into my savings to
  2. Hi, looking for advice I've discovered this forum. Apologies for long post...... Two weeks ago I was involved in a car accident on a roundabout. I was on my way home after picking my children up from school. I approached in the right hand lane, this lane leads to either the middle lane or the right hand lane of the roundabout. The lane markings on this major roundabout are clearly marked. I travel this route 2 to 3 times a day and as usual went to the middle lane. There were numerous cars on either side of me as we went over the motorway. After the next exit my lane becomes the left
  3. Hi all, Apologies if this post is in the wrong forum, had a look and wasn't sure where to put it. Back in 2015 I obtained a referral to a specialist consultant for a health issue via my health insurer Pru/Vitality. I was issued with a claim number, claim was allowed, saw the consultant and that was that. I had previously seen him under the same process. In 2016 I started to get letters from the consultant's office demanding payment for my 2015 visit. I explained that I had a valid claim via my insurer and told them to take it up with them. A few months later, same thing.
  4. Hi guys, Google has brought me here as it appears a few of you have had similar issues to the one I'm having. Car crashed into back of mine while I was stopped at lights, guy accepted responsibility and his insurer contacted me to arrange repairs (Well, actually their repairer contacted me, I never once heard from the insurer as I recall) They also arranged a replacement vehicle for me which I assumed to be a courtesy car but in fact, as I now know, turned out to be a credit hire. I'm now getting solicitors letters because the insurer is now refusing to pay out for t
  5. Hi, My car has been hit by another driver. There is no dispute, and other driver has take responsibility. There are damages to my exhaust system and local garage has estimated costs for £894 in total (parts, labour, VAT). Tesco (who is culprit's insurer) offered me £750 because of corrosion prints, but denied to tell if this will cover costs of genuine exhaust + hangers fixing and if parts are new or used. Important thing here are, that in my opinion there is no corrosion, car passed MOT without any advisories in November, as well as genuine exhaust system has chrome tail pipes whilst non g
  6. Hello all. I am helping my dad with a car insurance claim. I've never claimed anything on insurance before so am new to the process. I hope you can help. The general advice is, that when your car is a written off, as is the case here, the insurers will try to low ball you on the first offer and you should reject it. Some background on the incident is that my dad parked his car on a hill, some time later something failed and the car rolled, writing his and another vehicle off. I have researched the car and it's difficult to tell whether t
  7. Good afternoon, I have recently found my original finance agreement from Welcome Finance in 2007, for which I believe I was mis-sold shortfall insurance on the agreement. I was told by the salesman that if i did not take the shortfall insurance, then i would not be provided with finance. I had no idea it was optional until recently. I have contacted the FSCS in relation to starting a claim as per the Welcome website, I have the original credit agreement however, I have no details as to who the shortfall insurance was through as a) I was not given any d
  8. Car impounded due to car insurer’s failure to transfer no claims bonus to new policy which led to the cancellation of my insurance policy. My car was impounded by the Police this week, the reason, the insurer said they sent letters out asking for evidence of my no claims bonus and because they did not receive the evidence, my car insurance was cancelled. I was not notified that my policy had been cancelled and did not receive any letters I have been with the same insurance company for over 25 years and they hold all the information about my no claims bonus electronically My
  9. Hi Everyone, I'm currently having the following fun and games, any advice: I took out my Policy with my insurer in December 2014 and sent them the appropriate NCD proof. All fine until July 2016 when I move house and, then, approaching renewal time in December 2015 a week before reveal I hadn't received anything from them. I call them and then realise I had forgot to tell them of my change of address. This is an important bit, what I was told 'you cannot renew a Policy to a different address to that of your renewal,. I tell them fine I'll start a New Policy online which I duly
  10. INSURANE COMPANY Refusing to provide any details of a claimant on my policy Refusing to provide the same to police obstructing an investigation Refusing to provide the same to allow customer to obtain quotes from other insurers Increasing a premium by 30% when renewal notice states the driver has passed their driving test but they list them as a Provisional Licence in error. My daughter needs urgent advice, she was involved in a very minor accident 10 months ago, a driver was indicating to turn right on a very wide main road, and traffic was flowing on the
  11. Hello. A got car insuance through a broker called Adrian Flux. They sent through details of the insurer which is Trinity Lane. They’ve sent me through the paperwork and I was looking through it and in the Trinity Lane documentation it says this. We are authorised and regulated by the Malta Financial Services Authority under the Insurance Business Act 1998 to carry on the business of general motor and accident classes of insurance. So basically I don’t know if this is OK or if I should be wary that it is not authorised and regulated by an authority here in the UK. I can stil
  12. Hi, I bought my parents a UK coach holiday and, as they're both pensioners, travel insurance which included cancellation cover as both have had illness in the past. Unfortunately, a direct family member became ill a week before they were due to travel and they decided to cancel the holiday and visit her instead. The family member sadly passed away 2 weeks later. The insurer sent out claim forms, these were completed and returned along with a death certificate which was required. Last week, the insurer wrote back requesting additional evidence for the deceased, namely the completion b
  13. I was involved in an accident two months ago, I was the passenger in my car but was not the driver. The other party admitted full liability and the police are taking action against him. I suffered injuries for which I am still receiving treatment. My car which was only 6 months old would not start at the scene, the insurer arranged for its removal by recovery services and told us since the air bags had been deployed the car was likely a right off. I believed this was to be the case. It is a very long story but at no point did the insurance company cont
  14. A lady reversed into my parked car causing considerable damage to front bumper & near side wing. She apologized at the scene which a witness overheard. I went through my own insurer who put me in touch of Accident Management Company. My car was deemed a CAT C total loss. The accident report was submitted to the 3rd party insurance who 1 month later are unable to get in touch with their client. I am left with out a car or without liability being admitted. Where does that leave me ?? I was insured 3rd party fire & theft so my insurer has told me to contact accident management company, w
  15. Hi all Thanks for taking the time to read this. Recently, my wife's insurer made an error which has caused us quite some inconvenience. In 2013 my wife was driving her Megane and was involved in an accident in which 2 other cars contributed. She was in no way at fault. (I can describe but it's not relevant). She had a £400 excess. She was fully comp. She received a payout less the £400 excess and any other costs. When we asked about the excess and any other costs, she was told that she didn't have legal cover so they won't pursue it and she would have to do it herself. (
  16. Hi, I'm posting on behalf of my sister. A few weeks ago she was parked in a supermarket carpark and was just about to open the door to exit. She had the door already ajar, while she gathered her handbag etc, before opening the door any further she looked over her shoulder and a car swung in wide into her space (at speed) and caught the side of her door (see picture attached). The chap at first admitted liability and apologised. Luckily my sister had the common sense to look otherwise she could of easily had her leg crushed. What we thought would be a open and shut case has now been going on
  17. Hello. I have unusual problem with my previous insurer. Back in June 2013 i renewed my insurance with MoreThan. And then after few months I declared SORN on my car and cancelled direct debit on car insurance. Since then I was not driving. today I called them about getting my NCB proof since I want to get back on the road. What they told me after I explained what happened is that since I haven't told them about SORN on my car is they resetting my NCB from 8 years to 0. Can they do that? I never claimed and even without that extra ye
  18. It's a very long story but in short, my neighbour's property was gutted by fire in January (unfortunately, the lady lost her life). My house was extensively damaged by smoke and Liverpool Victoria had a loss adjuster round very quickly to establish that all the contents of my cellar and loft area need to be removed for chemical cleaning/disposal, all insulation needs to be replaced, my carpets and furniture require professional cleaning and the house needs fully redecorated. I have pursued this vigorously as I have 2 young children and our belonging
  19. A small van hit my car last week. Rear ended me as I was waiting in a traffic jam on the way to work. It was weird because everybody had been in the traffic for a while and he just sails into me at about 30mph. The boot floor was crumpled up quite a bit, bumper damage etc. Anyway we exchanged details, I contacted my insurance, they tow the car away to the garage, and I got a hire car. So a couple of days later I get a call from the garage asking me if they can go ahead with repairs. I say no, I want the insurance agency to contact me first. He says, okay, you should hear from them. Two da
  20. Hi, I am looking for help with my insurance claim and any help is greatly appreciated as I am at my wits end and suspect this is what the insurer wants. I put in a claim for a few items after moving house, I was covered by the removal company's insurance, which I paid extra for. The items were all in perfect condition, they were as good as new in terms of condition. The insurer accepted they should pay for the items but they are only offering far less than the cost to replace the items. There was a microwave which is now dented and unusable. I allowed for that in my claim a
  21. I have just renewed my car insurance (with Hastings Direct). I got a letter today skin me to send them a copy of my V5 to prove that I have owned my car since 2005 as stated. I cannot see the logic behind this for a number of reasons: They did not ask to see it last year The value of my car will not change depending on how long I have owned it My premium is not affected by how long I have owned the car Is this necessary? Why do they want it? Can I refuse?
  22. Who is comets insurer for camera's etc, I bought a camera last year and took out the 5 year plan to insure the camera, when i went into store before they closed the person in there said there's a number on the back which is the 3rd party's contact details which reading through i cant find anywhere. Does anyone know who the insurer is so i can give them a call, Before comet went under i sent my camera to them to be fixed due to a error keep popping up something to do with the lens not releasing when the camera was turned on, that was fixed but they also cleaned the camera in which recently
  23. Just got a letter from the insurer of a car I had a small shunt with in July 2011. They say they've not had a payment they requested from my insurer at that time for repair costs and will start legal proceedings against me directly in 14 days. I've heard nothing from my insurer since Jan 2012 when they said they would be settling with the other insurer. I've forwarded the threatening letter to my insurer but I'm concerned at the way this is going. Is this a standard tactic when a settlement is involved? What happens if my insurer do nothing and I get the threatened action against
  24. I have taken out insurance with an insurer for a pub. I am the manager and licencee of the pub. Then a lady parked in the pub car park to use a local shop. She slipped up and is now claiming under the liability section of the insurance policy. Problem is that the owners of the pub and I do not have a legal agreement in place. No tenancy agreement exists in order to establish my responsibilites . There is a letter from the owners to myself but no formal written contract. The insurance company are saying that I need one and without it they are refusing to deal with the claim. Is
  25. The Financial Services Authority (FSA) has issued its joint largest fine over retail activities of £10.5 million to credit card insurer Card Protection Plan (CPP) for mis-selling insurance products. CPP has also agreed to pay redress to consumers and has estimated a further £14.5 million will need to be distributed, according to the regulator. Taken with the costs associated with the FSA investigation and the fine, CPP is facing a total bill of £33.4 million. The FSA said it had discovered widespread mis-selling of CPP's two main products, card protection and identity protect
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