Car insurance inspection and claim

london3

Had an accident with no visible damage to both vehicles. Third party made claim for damage after inspection through unknown garage. I requested my insurance company to inspect the vehicle before making any payments for vehicle repair. They assured no payments would be made without an inspection.

A few months later found out vehicle had already been repaired without being inspected by my insurance company and affecting my NCD.

Am i allowed to seek compensation from my insurance company for failing to inspect as I requested?

cinereus

That's shocking!

Quentin

london3 wrote: »

Am i allowed to seek compensation from my insurance company for failing to inspect as I requested?

You can seek it, but don't expect to get any.

You agree in the ts + cs to let them deal with claims as they think fit.

vaio

whilst as quentin say they can deal with claims to minimise the cost to them (which might sometimes not minimise the cost to you) I'd say this only applies to claims they are required by law to pay (under RTA) or claims you ask them to deal with.

If you instructed them not to pay without inspection (presumably because you thought the claim was fraudulent) then I'd say that for them to pay without investigation or at least discussing it with you is unfair and worthy of a complaint.

Are you claiming that you've suffered financially as a result of their behaviour?

london3

vaio wrote: »

Are you claiming that you've suffered financially as a result of their behaviour?

Thanks for your responses.

This was over a year ago and since then I've changed my insurance company. I have suffered financially because my premium has significantly gone up. I'm making a complaint now because I feel they should have verified the damage to the vehicle as I expected and from what I was told.

mikey72

london3 wrote: »

Had an accident with no visible damage to both vehicles. Third party made claim for damage after inspection through unknown garage. I requested my insurance company to inspect the vehicle before making any payments for vehicle repair. They assured no payments would be made without an inspection.

A few months later found out vehicle had already been repaired without being inspected by my insurance company and affecting my NCD.

Am i allowed to seek compensation from my insurance company for failing to inspect as I requested?

From the post, I asume it's your fault, as you asked your insurers to inspect before paying. It's an academic exercise in that case. Your insurer would pay to assess the claim, and whether or not they agree to any damage, your ncd would be docked to pay the assessor. At best your would declare a fault accident -zero payout, but that appears to affect your premium about as much as a fault claim, say £2000 payout. You still lose the same amount of ncd.

vaio

I thought about that too, but I don't think that the costs of my insurance company investigating and rejecting a fraudulent claim made against me should attach to my record.

Certainly the "incident" would be on my record but the costs of adminstering the claim are overheads and not recoverable or added to the costs registered against my record and I'd say this applies to investigation of fraudulent claims too, it's an overhead and should be spread across all policy holders rather than allocated to individuals

mikey72

vaio wrote: »

I thought about that too, but I don't think that the costs of my insurance company investigating and rejecting a fraudulent claim made against me should attach to my record.

Certainly the "incident" would be on my record but the costs of adminstering the claim are overheads and not recoverable or added to the costs registered against my record and I'd say this applies to investigation of fraudulent claims too, it's an overhead and should be spread across all policy holders rather than allocated to individuals

I didn't read it at the op denying the claim, just that there wasn't enough damage to justify any repair. So either way, it would need to be assessed. So the op's insurer has a cost, they have to pay someone to decide if any repair work should be undertaken.