NON FAULT ACCIDENT! Disgusting behaviour by AVIVA

Nervo1234

The policyholder is a family member whos car I use very occasionally!

Rather than implying "fronting" or whatever else, your comments would be appreciated if they were helpful or constructive rather than basing assumptions which are completely untrue!

chanz4

suppose they have todo it these days, but cant blame them as their is so many false policys

dunstonh

Rather than implying "fronting" or whatever else, your comments would be appreciated if they were helpful or constructive rather than basing assumptions which are completely untrue!

Up to that point I was willing to give you the benefit of the doubt. However, I reckon you have something to hide as you are now getting defensive for no reason. Couple that with you posting that you are being shafted and you are suffering (when its the policyholder and main driver that would be) and the fact that you seem to be put out by the fact the courtesy car has been taken back (when the main driver and policyholder isnt even in the country to use it) would be enough to give rise to suspicion you are committing insurance fraud and enough for them to look into it further.

System

Nervo1234 wrote: »

The way which I've been kept out of the loop and lack of communication has been horrendous!

What is the point of insurance? If the third-party do not payout, I'm facing a huge bill for something which is totally NON-FAULT!

I will be pursuing this with the relevant insurance bodies because why was the claim approved and then pending, which was held for 4 weeks without my knowledge!

We no longer have a car because Drive Assist have taken it away, so what's the point of having courtesy car cover!

AVIVA have truly shafted me!

All people are trying to point out to you is that Aviva may have got the impression that the policy holder is not the person they thought they were. If Aviva's impression is wrong then you will no-doubt be able to convince them of the true facts.

As dunstonh said....
When you yourself, as the named driver (and not the policyholder) speak to Aviva, if you use similar words and phrases as you have in this thread, I can see how Aviva's suspicions could have been raised.

When you communicate with Aviva, it is important that you are clear about who you are, what your relationship is to the policy holder and explain when the policy holder can contact them. I assume Aviva have said something about what they need you to do next. There could be inevitable delays before the payout is approved until they recieve the proof of Id for the policyholder or whatever info Aviva request from the policyholder.

But, be aware that the contract is between the policyholder and Aviva, so they may not be able to communicate with you in detail.

keith1950

Hi, if Drive Assist are involved then it is not a 'courtesy car' but it is a 'hire car' and you or the main policy holder will have signed a form agreeing that if uninsured losses cannot be recovered you accept responsibility for the cost of the hire.

I apologise if my post gave the impression that I thought you were fronting, I was trying to point out that it looks as if Aviva are suspicious and are looking into the possibility of that.

For instance, if the main driver is abroad and you only use the car very occasionally why was there a need to request a 'hire car' that could end up costing you dear.

I would always advise waiting until the repairs on the car start and then request a courtesy car because they are free with no strings attatched.

Unless you can allay their suspicions your only option is probably to wait until the main driver returns and let him sort it out .

Hire car cover and courtesy car cover are two completely different things !!

rs65

Nervo, I think you need to look at the terminology you are using. You are certainly giving the impression here that it is your car or it is you that has suffered a loss. I can only assume that you are giving Aviva this impression which is making them wonder what is going on. You really need to leave it to the policyholder to resolve.


I was involved in a non-fault accident

I had received a call from Drive Assist

I've been kept out of the loop

I will be pursuing this

I'm facing a huge bill

I have filed a claim with MIB

level of service I've received

I was advised by the police to called my insurance company

bouncydog1

Although you have stated facts about the policyholder being the main user etc, you still haven't mentioned your relationship to the policyholder other than a family member whose car you use occasionally.

Is the policyholder your parent/grandparent? As mentioned earlier there is clearly something that has aroused the suspicions of the insurer so until that is sorted there is not going to be a lot that can be done.

You will just have to have patience and wait.

Nervo1234

Well the car was in my possession when the incident happened therefore would assume, I would submit the claim...

The policyholder was present in the Country when the incident happened, and it was AVIVA who actually recommended DRIVE ASSIST to us because they had actually approved the claim in the first place!

asandwhen

Nervo1234 wrote: »

The policyholder is my parent!

This speaks volumes

mikey72

How many other cars do they own between them?