URGENT Help - Just had a crash.

Davidboy

sho_me_da_money wrote: »

Dacouch.

Everytime I read your posts, my stomach stirs, a shiver goes down the back of my spine and I get a semi.

Thank you for your advice.

I admit I am a numpty for forgetting to MOT it.

Oh those were the days being young and virile......


D

dexidoog

sho_me_da_money wrote: »

To the ones who stood by me,


I just want to say a quick thank you for all your time and support regarding my Car Accident.

The insurance company was hesitant at first and tried it on a few times but in the end, the letter held up and they had to deal with the claim as normal. The payout was £2750 + approximately £600 in damages for the inconvenience and storage costs. A deduction of 15% was made due to the lack of MOT. Considering the car cost us £2100, I think we came up trumps.

Lessons learned – An MOT does not invalidate an insurance policy (see policy wording) and Don’t forget to put your handbrake on!

[FONT=&quot]Just some extra details:[/FONT]

[FONT=&quot]1. They verbally declined my claim[/FONT]
[FONT=&quot]2. They wrote a letter declining my claim[/FONT]
[FONT=&quot]3. I wrote an official complaint back (one letter) attaching case studies and argued the violation of the "Contra Preferentum" rule as well as the "Roadworthiness" of the vehicle. The letter was awesome and big thanks goes out to SCOUSE and DACOUCH for their input on this.[/FONT]
[FONT=&quot]4. QD sent out a claims inspector to check the condition of the vehicle 2 days after receiving the letter. He was appointed to check the condition of the handbrake etc.[/FONT]
[FONT=&quot]5. Another claims investigator met with me 7 days later for a statement of events.[/FONT]
[FONT=&quot]6. The investigator called me about 3 days later and said "They are still going going to repudiate the claim and stand by there rejection as per some advice from the Ombudsman" - a load of bollox and a cheap scare tactic. I told them "No problem, please send me the rejection letter so I can take this up to the next level".[/FONT]
[FONT=&quot]8. Four days later - "Hi Mr. D, the claims handler had not considered the points raised in your letter thoroughly. Now that they have, QD IS going to deal with the claim as normal",[/FONT]

[FONT=&quot]Bada boom bada bing bada BANG![/FONT]

[FONT=&quot]To the naysayers - go get a life and stop giving people the crappers on here. There are loads of you about (not just in this thread). You need to just chill out, have some faith and stay +ve. For those that were taking the p!ss out of me - Whose having the last laugh now? I'll give you a clue - muhahaha (apologies for my arrogance).[/FONT]

[FONT=&quot]Again, thank you to all but a special thanks to the two who helped me privately - God bless you both![/FONT]

[FONT=&quot]CHEERS :beer:[/FONT]

I have found myself in the same position, cant believe I let the MOT expire, this was a genuine mistake. Could i please have a copy of your letter. Thanks

dacouch

Dexiog have a read of this thread as it has all of the relevant information, ignore the people who state not having an MOT invalidates the insurance.

https://forums.moneysavingexpert.com/discussion/2573777

If you need more advice start your own thread, it would be best to start it on the Insurance forum on MSE

dexidoog

thanks I am new to all this stuff