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Found 6 results

  1. Churchill have written off my car on a category D. It was collected this morning. The haulage guy said any paperwork would have to be handled by Churchill. I did not even get a receipt for the car! I took name/photos/reg etc though. Anyhow I asked about what happens with regards payments and was told I had another payment due the beginning of September because obviously I am paying behind by DD. I asked about cancellation fees and was told it would be fifty odd quid! She said I could tell them to suspend the insurance (Hold on I have no car it's been written off what's that all about?) and when I get another car to put it on and adjust the amount then. If I don't put a car on it after 28 days suspension it will auto cancel (I bet they still want the fifty odd quid though!). My renewal date is in November I think. On their site it says. "You may also suspend your policy for a period of time if you meet certain criteria. For example, if your vehicle has been written off following an accident and you have not yet purchased a new vehicle. Just call us on 0845 603 3551. You’ll need to continue your monthly payments if you pay by instalments." I am a bit confused about that last bit. EDIT: From Moneysupermarket's myths page. "9) If my car is written off in an accident, I can reclaim the remaining premium If you pay for a year's car insurance, but then crash and the vehicle is written off after two months, you cannot then demand ten month's worth of premium back. The contract you enter into with an insurer is for an entire year, not month by month. Even if you're paying on a monthly basis, you're just paying what you owe on the entire year's cover, so if you wrote off your vehicle, you would need to continue paying." I am guessing this means that because I made a claim and the car was not just sold/scrapped I am still liable for the rest of the years payments???
  2. I purchased a car in Dec09 which was HPI clear and looked in Mint condition.Soon after I noticed major problems with the car, had it inspected and found it to be a death trap!I took the trader to court and won, but the garage then closed and the owners went into hiding, they are now subject to a £500,000 fraud investigation and have left me being owed over £90,000 and has put my life at risk both financially and physically.It transpired that 10 months earlier the car had been in a severe head on collision and the insurance company was Direct Line.It took Direct Line 18 months to apply the write off marker to the vehicle so that it could be seen on HPI, this was 8-9 months after I purchased the car. So far 18 months this car had no history what so ever!A major series of failures occured during this 18 months: They did not know where the vehicle was located. *** The vehicle was abandoned 2 weeks in to the claim, Direct Line where never aware of this! *** Paid out to someone who did not own the car, as it went missing whilst under finance when owners company went bust! Failure to pay out to finance company Failure to seek out correct ownership No warnings placed against the vehicle throughout duration of claim. When Direct Line decided to settle the claim 18-19 months after the accident they even let the claimant retain the salvage.(As many of you may know, an insurance company should process a MIAFTR check which looks at ownership, finance and security warnings. When DirectLine paid out none of the above was acted upon)I have contacted Direct Line Executives and now RBS group legal - and after 8 months recieved a letter saying liability denied. This was then put to them again stating their failures, to date no response.I have been to all the government agencies and that has been as useful as a hole in the head, no one is willing to pursue this as I was not the owner at the time of the accident. In essence I am a third party that has incurred loss due to the fraudulent actions of others and the inability of a major insurance company to act under a duty of care to protect the public.Anyone any ideas? The paperwork I have on this is sickening and I cant believe there is no legislation or law that can assist me.
  3. i was at work on wednesday when i received a call from my father saying my car and his car have been driven in to. A witness has come forward to say that he saw the tow truck which was still pulling a polo car and hiT several cars. The police were called to the incident as soon as my family was informed and 5 minutes later the truck was reported as stolen. This was my first car, infact my dream car i had only had for 2 months. I am insured with tesco and the owner of the truck is with axa. I reported it to tesco straight away and they have asked if i want to pay the excess or wait until liability is agreed i said i would wait. Not sure if this is the right thing to do. I phoned tesco today and they have informed me that they have contacted axa only to find the owner hasn't even reported it stolen :s how strange. When it all happened the owner had told the police to give the victims his insurance details so that they can claim from him!! I have a problem that when i took out my insurance i under valued it from 5000 to 4000 thinking that as i have added to the owners my car has lost value. This was stupid of me but i didnt know. Who decides the value for the pay out? Will they only give me what i wrote down? Will it do against the owners insurance? Is the owners insurance company meant to give me a valuation, i mean does it not matter if i put down 4000 as this was on my insurance? Does my insurance go up in price please help me im so confused!!
  4. Last week, a car crashed off the road, demolished my dwarf wall, went through the garden and crashed into my car which was on the drive. The driver, who was drunk and driving her husbands car, ran off but subsequently gave herself up to police and has been charged. My car, an old Punto is likely to be written off but I have not finished paying for it until July. I know that I can claim for the wall and for established plants but it doesnt seem fair that I will only get about £500 for the car but I still owe £556 on it ! Any suggestions gratefully received - I do have Legal Assistance from my Union membership but dont really know what to ask. Many thanks
  5. My husband pranged his car in January after skidding on ice on a country lane and turning the vehicle over. There was substantial damage to the side of the car and due to the engine being upturned for some time this resulted in it 'blowing'. Undrivable (due to engine failure) we arranged for our friend to tow the car back to our private property. My husband claimed on his insurance - Groupama - who immediately sent an engineer to view the car, deeming it a 'write-off'. He liaised with Groupama over the phone and negotiated a settlement figure and agreed that he could keep the vehicle in order for him to sell the parts for spares. He received a letter from Groupama with his settlement cheque stating that the vehicle was a Category C write off, that his insurance policy was now terminated and that in order to re-insure the vehicle, he must apply for a VIC. He was also asked to surrender the MOT. The car in question has stayed on our land ever since, until this week, we finally found a buyer the spares. Yesterday my husband and a friend, pushed the car (remember it has no engine) from its resting point to another position (still within our land) so that the buyer could easily push it on to a trailer. He then popped to the shops, returning 45 minutes later to find it clamped! It was a DVLA clamp! What a nightmare, the buyer was due to turn up within another hour, and my husband had to go to a funeral, so his secretary called the number on the warrant to be told that the vehicle had been clamped as it had no TAX and had not been declared SORN. She was told that regardless of the vehicle being on our private property, they were allowed to clamp the car. Obviously due to the iminant arrival of the buyer of the scrap he needed to have the clamp removed asap so the secretary paid £260 fine. We were under the impression that as the car had been written off that we did not need to apply for SORN as it states this on the Direct Gov website: http://www.direct.gov.uk/en/Motoring/OwningAVehicle/UntaxedVehicle/DG_069727 and as my husband had surrendered the MOT, and the vehicle cannot be insured until it has passed a VIC then it would have been impossible to tax it! Anyway, husband called the DVLA this morning, to be told that there was no record on their system of the car being written off, only that it had been involved in an accident and that it was my husbands resosponsibilty to SORN the car. My question is this - surely it is the responsibilty of the Insurer to notify the DVLA that the vehicle is written off? Don't they have to log this fact with the ' motor insurance anti fraud and theft register' and the 'Motor Insurance Database' ??? What should we do next? Ideally we would like to claim back the £260 from the DVLA Any ideas????
  6. My wife was hit by 3rd party. Car is an old civic, to replace it would be about £900. Her (the 3rd party) insurance co. have sent a cheque out without agreeing with us or bothering to contact us to the hire car co. this has the effect of cancelling the hire car in 7 days. We don't agree with this or accept it no one has had courtesy to tell us they were making a payment - the accident was not our fault as they are only sending out £400. We then have to find the extra money to get another car also. My question is can we insist on car being repaired (it would cost £2500 approx) which would be a lever to increase the payout. We were told by the hire co. not to accept the first offer but we have not even had a first offer any ideas or facts gratefully received. It wasn't our fault we would have still been driving the car but the insurance say they only have to payout the value before accident. I was informed by a couple of people that we could insist on it being repaired. many thanks
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