Elephant insurance Claim Nightmare

ronnies2008

I Would not advise elephant to anyone my partners car was broken in to a few weeks ago and trashed on the outside. We have been on to them for 5 weeks and getting different excuses each time about reports not received, so i ended up calling the engineer myself he adv me that he had sent the report a week before and would do so again that day. I then called them back to advise them of this they then told me they would call me back the following day (yeh that happened not ) so i asked for a manager to call me. she called me the following day to advise she was going to check the report and she would call me back. We then received an e-mail advising they would not pay out due to the tyres being low at the time of the accident (as stated there was no accident, it was broken into and vandalised) which is bull and cant prove the damage was caused by someone trying to break in to the car and they will crush the car if we dont except it back as it is.I could,nt believe it I called them tonight gave them a bit of my mind Iv been advised that the manage will call me back tomorrow and not to worry are these people real or what 90 pounds a month for cover and they wouldnt repair the car i will not let this go legal action i think is the way. so be warned before you take up with elephant.:mad:

dacouch

Advise the manager when they call tomorrow that the Ombudsman will not accept them saying they will not pay out for a theft claim because the tyres are illegal for a theft / malicious damage claim.

Here is the relevant guidance / rules from the Ombudsman

13. roadworthiness

Most motor policies contain an express requirement that the vehicle must be maintained in a roadworthy state. If so, where there is good evidence that the loss or damage was caused (or substantially contributed to) because the vehicle was unroadworthy, we are likely to consider it fair for the insurer to reject the claim.

In other cases, the insurer might reduce the payout on the basis that the vehicle was not in good condition. If so, where there is good evidence that the vehicle would have failed an MOT test, we are likely to consider it fair for the insurer to take this into account in assessing its value.

http://www.financial-ombudsman.org.uk/publications/technical_notes/motor-valuation.html

Also have a read of section 15 and the Ombudsman guidance / rules on unacceptable delays in dealing with a claim and the subsequent compensation he deems appropriate