Car Insurance - Hit by Third Party insured by Aviva

tmb70

InsideInsurance wrote: »

Not sure what head of claim you are talking about?

Are you talking about claiming loss of earnings? Are you self employed or an employee? If you are an employee then it is a simple case of looking and comparing payslips to see what you normally get -v- what you got during the period of absence.

If you are talking about your time and effort in dealing with your claim then your salary makes no difference at all and a nominal amount is used. If you are a call centre worker or a company CEO then your free time is considered equally valuable even though professionally one can earn 100 times the other.

I fall into the self employed bracket, so in a nut shell if I ask for my time to be reimbursed at X amount an hour then it will be refused.

So going on your info I may as well use a lawyer who will remove all the time and effort away from myself, but charge fees of £150 plus then add the 20% vat. Is that correct?

Quentin

If you use a lawyer (as already recommended!) and ask them to, they will also add a claim for your inconvenience in dealing with aviva (though not based on your hourly rate!), and will of course take over from you, freeing your time up!

InsideInsurance

Even if you are self employed you can only claim for the business you actually lost. Even the most workaholic person doesnt work 24/7 and so you do have personal time.

It is a legal requirement for you to reduce the cost of your claim as much as is reasonable possible. So for example if you need to make a 15 minute call during office hours. It is without doubt that you do not work 8-6 mon-fri every day without a single break and so you'd be expected to make the call in a break in which case you have at best a "personal time" rate and not loss of earnings rate.

Back in my day we at most would offer a universal £50 for inconvenience, if someone wanted to claim loss of earnings during the time and they're a self employed then you'd want to see tax returns, accountants letters, bank statements etc to substantiate both normal earning levels and find the alleged drop in earnings during the period of claim.

tmb70

I am becoming rather cross with the antics of Aviva. Please be so kind to read:

https://forums.moneysavingexpert.com/discussion/comment/53067559#Comment_53067559

mikey72

It's definately time to pass everything over to a claim management team. As their first arguement, why pay £6000, when you can save the £4000 solicitor fees, and why pay the £2000 if you can bully the claim down to nothing. They never take individual claims seriously, but know they have to play ball with a CM company. You gave them a chance, they blew it.

tmb70

Mickey, thank you for your words, have you had a similar experience?

mikey72

Fortunately, not personally. But close relative.

chris-j

Sounds like Aviva are attempting (possibly unconsciously) to act the way insurance companies should but making a pigs ear of it.
Personally all attempts to rid us of ambulance chasing claims management companies and bogus personal injury claims should be welcome, but come on Aviva, this isn't the way to reform the industry.

mikey72

chris-j wrote: »

Sounds like Aviva are attempting (possibly unconsciously) to act the way insurance companies should but making a pigs ear of it.
Personally all attempts to rid us of ambulance chasing claims management companies and bogus personal injury claims should be welcome, but come on Aviva, this isn't the way to reform the industry.

Not welcome if they also decide to get rid of the claim at the same time though.