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Back in Dec 2021 near new year, my car slid down a little snow, and just touched the other car within a hair width leaving some light scuff marks, he told his insurance but said it was nothing and he would deal, the person even messaged me to confirm and I still have the text. It was literally some light scrapes.. My insurance co even said at the time all is fine and they have moved on. I got an email saying they can not renew my claim, I was dumbfounded as I had done nothing wrong. I then looked at the policy end notice and it said" NCD: 0 They have said "the claim is notification only, however we have to wait 6 months to make sure no 3rd party comes in" - This is madness, I have proof that the "3rd party" is not "going in"... What am I meant to do here now? Just not drive for 6 months or start my NCD all over again and lose 3 years worth of savings? Or can I still use my NCD bonus despite them robbing me of it??? Just more proof the the insurance industry is unregulated and run by mobsters!!!! this world is screwed!!!
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I think you may be over complicating your statement...the crux of the argument raised by the claimant is the cause of action /default date and whether their claim was made on time. This is a very grey area with recent judgements determining that the cause of action starts from the the date of default notice + 14 days. I'm not sure whether DX has any source legislation that the deferment date is the cause of action but if so that really needs to be ironed out in a short statement in response. Andy. .
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Here is a draft statement for you to consider/amend and file with the court and claimant. Attach any files as evidence as required. In the County Court at Torquay.pdf
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Fraudsters are using the details of firms we authorise to try to convince people that they work for a genuine, authorised firm. Find out more about this 'clone firm'.View the full article
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