Payslip/Insurance claim issue.

LAEllis

Hi folks,

My insurance company asked me to provide payslipsfrom over a year ago, i couldn’t find them but called my HR/payroll departmentwho sent out new slips (not the same as the usual ones you get but contain allthe same info). The other insurers now say that the slips contain variablerates of pay (i work on many sites with different pay rates but my overallmonthly wage is never too different), are not good quality (!!!!!!? they are perfectlylegible) and don’t have my employers name on it. (neither do my originalpayslips)

I told my insurers this is all i have and they arenow saying i have 14 days to magic some up otherwise forget claiming for mywages (3 month’s worth)

I have offered to get tax print outs from the taxman to show my earnings (off NI and tax contributions), i have offered to getbank statements showing clearly my wages going in. Where do i stand on this?

Surely with as much evidence as i can provide and actual payslips from the payroll department i should be able to claim for my wages. Beside the point, but i find it insulting that they drag their heels for a year on this and then start giving me deadlines.

EDIT: RTC claim, guy hit me and admitted liabilty.

ACG

What about if you could provide bank statements showing your wages being paid as a second form of proof?

dacouch

I would be inclined to send in say six pay slips along with a letter from your HR or Accounts depts confirming they're the company pay slips and to contact x on xtn should they wish to discuss on the phone. (The Insurers may want to speak to someone to make sure you have not just printed out some yourself.

Attach a letter from you requesting they pay you on an average of the said pay slips

LAEllis

ACG wrote: »

What about if you could provide bank statements showing your wages being paid as a second form of proof?

I suggested this, my insurance company said a court wouldn't accept this and NEEDS the payslips.

dacouch wrote: »

I would be inclined to send in say six pay slips along with a letter from your HR or Accounts depts confirming they're the company pay slips and to contact x on xtn should they wish to discuss on the phone. (The Insurers may want to speak to someone to make sure you have not just printed out some yourself.

Attach a letter from you requesting they pay you on an average of the said pay slips

I can try this, but with the suggestions that ive already made i cant see them agreeing to accept it. Thanks.

LAEllis

anyone have any other ideas?

rs65

LAEllis wrote: »

my insurance company said a court wouldn't accept this

What type of claim is it?

LAEllis

rs65 wrote: »

Whattype of claim is it?

RTC,guy in a van knocked me off my bike. He hit the rear end and admittedliability. Now his company is arguing about costs etc.

Actuallyi forgot to mention this, I’ve never heard anything like it before. I receivedsome correspondence back from my insurers regarding the damaged to the bike,the other party had come back with a counter offer to the £1400 repair bill.

"Hereis £30, fix it yourself"

Starting to think his insurers are a joke outfit, or maybe a comedy club?

rs65

Ah right, that makes sense. It is more of a legal issue than insurance issue.

The other insurers will basically pay what a court would - what they are legally liable for.

You need to prove your losses and I don't see any reason why a combination of the copy pay slips and bank statements wouldn't suffice.

olly300

LAEllis wrote: »

I suggested this, my insurance company said a court wouldn't accept this and NEEDS the payslips.

If your income is variable then you may have to provide 2 or 3 years worth of payslips.

Other than that a judge would accept all the documentation that the other posters suggested all together as proof of your income unless you complete a self assessment return.

The only party who would query it would be the other side but your insurer should have good enough solicitors to argue that your income is variable but you have provided adequate proof of it over a reasonable time.

So if you had your payslips covering enough years, bank statements and a company letter saying these are our pay slips and confirming your salary/pay per month then that would be enough to prove your income.

There are people who deal with admin who don't have enough common sense to work out what is reasonable proof of something.

So first find out how many years of payslips you need to provide due to having variable income. Then if these aren't acceptable on their own send in bank statements and get a letter from your employer confirming everything.

Finally if the admin person still kicks up a fuss ask to speak to their manager and ask them to explain why the 3 forms of documentation aren't enough.

LAEllis

Thanks olly300, rs65. I'll bring this up with my company and see what they say. Any more ideas and welcome

InsideInsurance

Deadlines are pointless, as an injury claim you have 3 years to make the claim from the date of knowing, in this case the date of the accident.

The other commonly accepted proof other than payslips or bank statements is a letter from your employer, on headed paper, stating the required numbers.

If your salary is variable as you say they will normally want a wider timescale covered (normally 6-12 months prior to the accident plus the whole time that the LoE claim is for) and so if you go for the employers letter route be sure to get a wider period than 3 months in it to avoid going back again.