Uninsured Losses - Help?

Reebie

Good Morning All,

I was wondering if anyone could help on the below.

Yesterday my husband and 2 children were on our way to see a show (Peppa Pig Live) when a car shunted us when we were stationary waiting to go through the Dartford Crossing.

Subsequently this left our car undrivable and we missed the show. The tickets cost us £55 I assumed that our insurance company would claim this back as part of our claim but they have said that they wont and we have to claim this back ourselves - has anyone done this before? Is it simple a case of sending a letter to the person at fault (whom I add admitted fault at the site and our insurance company recorded it).

I dont want the cash back but would like replacement tickets so that I can still take my little ones to see the show!

Any advice would be greatly appreciated

Quentin

I doubt you will get this sorted before the show ends its run at your theatre!

If you have any "legal protecion" type add on to your insurance policy then you can use this to get your uninsured losses refunded.

Otherwise it's DIY (or instruct your solicitor).

To DIY get a list of all your losses (eg excess/fares/hire car etc) and write to the third party insurers asking them to refund you (send evidence) due to the incident being caised by their insured.

Building_Surveyor

I suspect if your insurance company says its nothing to do with them then its probably written in the policy wording somewhere.

Sending a begging letter yourself is something the other party is likely to ignore. However worth a try, other than that instruct a solicitor to deal with it, but for the money I wouldn't pursue it.

If your insurance doesn't cover it, it's unlikely there's will too, which means its coming straight out of their pocket. Given the time constraints you have with this, you might be pushing it to resolve it in time. You might be better off buying another set of tickets yourself, then hope for the best to get it reimbursed.

Quentin

Building_Surveyor wrote: »

I suspect if your insurance company says its nothing to do with them then its probably written in the policy wording somewhere.

Sending a begging letter yourself is something the other party is likely to ignore. However worth a try, other than that instruct a solicitor to deal with it, but for the money I wouldn't pursue it.

If your insurance doesn't cover it, it's unlikely there's will too, which means its coming straight out of their pocket.......

No.

It doesn't work like this.

Your own policy only covers the items mentioned in the policy for any damage to your own property.

If another party is liable for the incident, then their insurer covers all the third party costs involved.

So assuming the third party here is liable, the OP will get all uninsured losses back off the third party insurer. There is no question of "begging" for this!

Building_Surveyor

Quentin wrote: »

No.

It doesn't work like this.

Your own policy only covers the items mentioned in the policy for any damage to your own property.

If another party is liable for the incident, then their insurer covers all the third party costs involved.

So assuming the third party here is liable, the OP will get all uninsured losses back off the third party insurer. There is no question of "begging" for this!

The OP has stated her insurance company have declined to make this claim for her

Quentin

Building_Surveyor wrote: »

The OP has stated her insurance company have declined to make this claim for her

Yes. That is correct.

But you clearly don't know what you are talking about.

Your own insurance only covers items set out in the policy.

When you have a claim, no uninsured losses will be paid to you by your own insurer.

But your own insurer will pay out all uninsured losses that any third party incurs as a result of any claim that is due to your fault.

When you are the innocent third party in an incident, as previously posted, the "guilty" party's insurer has to pay all the costs of the innocent party, including all their uninsured losses.

Wig

Don't forget to claim for your other uninsured loss.... that your own insurer will now increase your premium for having been involved in a claim/incident

Ask your insurer to quantify the increase in your premium due to a claim at renewal so that you can claim this back aswell.

Iceweasel

This accident happened only yesterday.

Do NOT be in a rush to claim for uninsured losses.

Inform the other party's Ins Co. asap that you hold their insured (as admitted by him) entirely to blame for this incident and that you will be claiming all uninsured losses, once your car is fully repaired.

So my advice is go ahead and buy more tickets to give the kiddies their show.

I so no difficulty in claiming this as the purpose of your journey was not able to be completed due to their insured.

If you claim too early they may well pay up for tickets but will possible include in the small print (hidden away - halfway down a long list on the back of a letter) that any cheque will be 'in full and final payment'.

After that it's too late to claim for car hire, bus fares, etc. etc.

Building_Surveyor

Quentin wrote: »

Yes. That is correct.

But you clearly don't know what you are talking about.

Your own insurance only covers items set out in the policy.

When you have a claim, no uninsured losses will be paid to you by your own insurer.

But your own insurer will pay out all uninsured losses that any third party incurs as a result of any claim that is due to your fault.

When you are the innocent third party in an incident, as previously posted, the "guilty" party's insurer has to pay all the costs of the innocent party, including all their uninsured losses.

I was merely trying to help the op by tellin her pursuing it with her own insurance company is not the way forward, I also stated it would be quicker if she wants to see the said show in time, to buy the tickets and pursue it after....!!!!!! I didn't claim to be any kind of expert, you obviously must be!

Quentin

Building_Surveyor wrote: »

I was merely trying to help the op by tellin her pursuing it with her own insurance company is not the way forward...

Not what you wrote at all.

This is the incorrect advice you actually wrote:

If your insurance doesn't cover it, it's unlikely there's will too......

You also suggested the OP to try a "begging letter", though advised the OP you wouldn't pursue it!

Why not just stand corrected?

Building_Surveyor

I personally wouldn't pursue because I wouldn't deem it as worth it, .... Is that a crime??? I didn't suggest she didn't pursue it, I

Unlikely again, I didn't say wouldn't!

Read the wording...


Again did I claim to be an expert NO...

I have no intention of hijacking the OPs thread to have a pointless argument with someone looking to discredit others OPINIONS

have a nice day!