Court Summons because Swiftcover closed unpaid file

Quentin

It regularly happens that policyholders do get a ccj (by default) when a summons is issued over an outstanding claim.

This is because the claimant can apply for judgement by default after just 14 days which often means the paperwork hasn't reached the right desk in time at the insurers.

These ccjs are easily set aside (at the expense of the insurer) when they happen, leaving the policyholder's record unblemished.

(Though the policyholder making contact with the other side or the court over the issue of a summons can inadvertently spike that process too!)

BertTheRaccoon

Quentin wrote: »

These ccjs are easily set aside (at the expense of the insurer) when they happen, leaving the policyholder's record unblemished.

Sometimes the insurers don't do this, they just pay the judgment and close the file.

I would defo send the items by recorded delivery and then pester sweiftcover every couple of days for confirmation of what they have done.

In my experience, Swiftcover are anything but "Swift" in their dealings with claims

Quentin

BertTheRaccoon wrote: »

Sometimes the insurers don't do this, they just pay the judgment and close the file.....

If a ccj is paid promptly it has no detriment to the policyholder's record.

(Only ccjs unpaid for over a month go on the record for 6 years.)

BertTheRaccoon

Again, you are relying on the court being informed the matter has been marked as paid within the prescribed time/ a certificate of satifaction arranged.

In an ideal world this happens.....

InsideInsurance

Even in the unideal world it gets resolved fairly easily and it is something both courts and insurers are ultimately used to dealing with

Quentin

BertTheRaccoon wrote: »

Again, you are relying on the court being informed the matter has been marked as paid within the prescribed time/ a certificate of satifaction arranged.

In an ideal world this happens.....

If the ccj ends up against the policyholder due to the insurer's incompetence over dealing with the paperwork then it gets sorted at the insurers expense to the satisfaction of the policyholder.

Swiftcover are poor at dealing with claims, but they are not the only culprits.

Getting ccjs set aside is commonplace.

But the policyholder can jeopardise the set aside process inadvertently if they try and deal with the courts themselves!