Diamond Insurance Settled Claim Without my Knowledge

Quentin

forcefullpower wrote: »

If the third party had rang their insurance company and started a claim i would not have an issue with it. My issue is that MY insurance company processed a claim that was never going to happen.

How do you know that?

Insurance companies have better things to do than go looking for claims.

Your victim has put in a claim!

forcefullpower

@Quentin

I spoke directly to the claim department regaring the issue and they informed me that they started the claim procedure. They where never contacted by the third party. There explaination was that they save money which i thought was rather odd see that they would not have to pay anything if they did not get called.

@iamana1ias

You say irrelevance a lot but i was under the impression that for insurance to be valid the driver of the car has to be the policy holder?

Quentin

forcefullpower wrote: »

@Quentin

I spoke directly to the claim department regaring the issue and they informed me that they started the claim procedure. They where never contacted by the third party. There explaination was that they save money which i thought was rather odd see that they would not have to pay anything if they did not get called.

@iamana1ias

You say irrelevance a lot but i was under the impression that for insurance to be valid the driver of the car has to be the policy holder?

The explanation doesn't make sense - how can they "save" money by seeking out third parties and offering to pay them? Whoever you spoke to sounds like they made it up as they went along!

You are wrong about only policy holders being the only people who are "validly" insured.

But whether or not the third party was insured or not is totally irrelevant to them being able to claim off you to compensate them for damage you inflicted on their property!

iamana1ias

forcefullpower wrote: »

@iamana1ias

You say irrelevance a lot but i was under the impression that for insurance to be valid the driver of the car has to be the policy holder?

In which case you could never gave more than 1 driver per car. Clearly this isn't the case as you can have numerous named drivers. I'd suggest you revise your 'impressions' of the motoring world.

forcefullpower

Cheers Quentin

I think i will try and see what they say again. From what someone said earlier about maybe paying the insurance company the money they paid out to reinstate the no claims. As you could understand from a £100 pay out to claiment is costing me over £700 on renewal and complete loss of no claims.

I also heard there was something called SAR that allows me to see all the information they have regarding me and this issue.

@iamana1ias

Suppose i should rephrase my question as i put it wrongly. I understand about having more than one driver for the car but if the driver of the car had no insurance. how could he benefit from my insurance. I am trying to understand the motoring world but giving sarcastic comments is not helping me understand.

vikingaero

forcefullpower wrote: »

@iamana1ias

Suppose i should rephrase my question as i put it wrongly. I understand about having more than one driver for the car but if the driver of the car had no insurance. how could he benefit from my insurance. I am trying to understand the motoring world but giving sarcastic comments is not helping me understand.

If you hit me, Diamond would pay my Insurer the costs of the repair, maybe an admin fee and my excess. So I will benefit from your insurance but indirectly.

I think what has happened here is similar to what happened to my mum a few years ago. Her car was hit by a Diamond insured driver. Diamond wrote a letter to my mum offering to sort out the damage on her car by using their network of approved garages and hire car. I expect Diamond do this to mitigate long term costs, but maybe it worked badly for in your case.

In the end we refused to allow them to repair the car because it was a 6 month old Mercedes and we wanted it to be repaired by a Mercedes approved bodyshop to maintain the bodywork warranty and Mercedes Mobilo package.

If the third party accepted the offer to repair and have a hire car from Diamond then this would count as a claim against you. If a hire car was given to them then this could bump up the total cost of the repair significantly and it may not be worth you paying up. Probably the best course of action would be to not telephone and initiate a complaint (you should find out who to complain to in the Policy Documents). Best to keep everything in writing from now and not telephone.

Quentin

forcefullpower wrote: »

if the driver of the car had no insurance. how could he benefit from my insurance.

The driver isn't actually benefiting from your insurance - you are the beneficiary!

The driver is entitled to pursue you for compensation for the damage you have caused to his car!

As you have the benefit of an insurance policy they have paid up on your behalf.

If you aren't happy with this, then you can reimburse all the insurer's costs and get your NCD reinstated.

The incident though will remain on your history and have to be declared to any new insurer, and could mean your premiums are affected.

Keith

Hammyman wrote: »

You reversed into a parked car. End of. If you don't want expensive insurance, try not running into large lumps of metal.

My wife reversed off the drive into the car parked opposite.

I was sure we'd lose our NCB, yet the other car's owner was found at fault and we were found not at fault :rotfl:

We then sold the big car and bought a hatchback.:T

Hammyman

forcefullpower wrote: »

You say irrelevance a lot but i was under the impression that for insurance to be valid the driver of the car has to be the policy holder?

I am the policy holder. My wife is a named driver. Going by your screwed up logic, the insurance isn't valid when she's driving....

For the love of god...

Hammyman

forcefullpower wrote: »

Cheers Quentin

I think i will try and see what they say again. From what someone said earlier about maybe paying the insurance company the money they paid out to reinstate the no claims.

You've had a claim so how can the no claims be re-instated? They will quite happily take your money but you'll still have no NCB and you will still have to declare on any motor insurance quote that you've had an at fault accident.