Insurance claim against my car.

womble11

Phoned Halifax, claims, nothing they can do as its Sabre doing the claim. so I asked to speak to someone higher, no give me a moment she says, comes back and says Sabre advised us to cancel insuance and Sabre is the only one that can help, Halifax is going on what they say, her quote. goodbye. so I phoned Sabre, held for 40 mins still on hold.

dacouch

womble11 wrote: »

Phoned Halifax, claims, nothing they can do as its Sabre doing the claim. so I asked to speak to someone higher, no give me a moment she says, comes back and says Sabre advised us to cancel insuance and Sabre is the only one that can help, Halifax is going on what they say, her quote. goodbye. so I phoned Sabre, held for 40 mins still on hold.

If Sabre are the other persons Insurers and have nothing else to do with you they have no authority to instruct your Insurers to cancel your policy. There is also no benefit to them to cancel your policy.

The chances that Sabre instructed your Insurers to cancel your Insurance are as rare as rocking horse !!!!!.

The person you spoke to did not know what they were talking about, I think you must have spoken to someone in the claims department, they will know nothing about your cancellation, you need to ask that question to someone in customer services.

If Sabre are making a claim against you then Halifax's claims department should have a file on the claim and be very interested in what you have to say about the claim

womble11

Yes I agree with you, but this is what they are saying. It is driving me mad, I spoke to customer services,and claims department and they both say it is Sabre that I need to deal with, I don't understand this but they will not give me any more information just fobbing me off all the time. By the way Sabre have still have me on hold. court here I come I think.

dacouch

Your best bet initially would be to make an "Official Complaint" to Halifax, they are duty bound to properly investigate the complaint and report back to you within 8 weeks. The complaints tend to be dealt wit by more experience staff.

The complaint should be polite and concise.

I recommend that you highlight that you were not involved in the accident and your offers to demonstrate this have been blocked. You should also highlight the cancellation which appear to be incorrect and certainly the advice you received today about the cancellation being at Sabre's request is plain wrong. Also mention Halifax directing you towards Sabre re defending the claim.

Please don't take this the wrong way, but might I suggest you ask for assistance with writing the complaint as your posts on here have not been very clear.

Mrs_Imp

Stop phoning and start writing. Address it to 'head of claims', 'customer service manager' or something similar. If you phone chances are you'll get a call centre worker who's never dealt with your kind of problem before.
Write it all down clearly and concisely and tell them how you'd like it resolved ie insurance reinstated, money refunded and the cancellation removed from your record.
Good luck

womble11

Thanks for all your comments, I will now do this in letters and let you know the outcome, I do not take any offence from getting help with writing a letter decouch thanks for all your help.

arcon5

How would Sabre know you have a new policy elsewhere?

Surely this would be a data protection issue? Passing on details of an alleged incident on Sabres part and the use of data on your insurers part?

Johno100

arcon5 wrote: »

How would Sabre know you have a new policy elsewhere?

Surely this would be a data protection issue? Passing on details of an alleged incident on Sabres part and the use of data on your insurers part?

Sorry I don't understand this post at all.

The OP was with Halifax at the time of the alleged incident, renewed a few days later with Halifax and after that policy was cancelled took out another policy with Halifax. All this information would appear on the Motor Insurance Database (MID) wouldn't it?

If Sabre received a claim from its insured giving the OP's vehicle details as the other party then it's going to check MID and contact Halifax to notify them that they need to open a claim file on that policy. How are Sabre and Halifax to know at that stage that the wrong number had been taken down for the OP's car or his had been cloned? I don't understand reference to a data protection issue.

arcon5

Johno100 wrote: »

Sorry I don't understand this post at all.

The OP was with Halifax at the time of the alleged incident, renewed a few days later with Halifax and after that policy was cancelled took out another policy with Halifax. All this information would appear on the Motor Insurance Database (MID) wouldn't it?

If Sabre received a claim from its insured giving the OP's vehicle details as the other party then it's going to check MID and contact Halifax to notify them that they need to open a claim file on that policy. How are Sabre and Halifax to know at that stage that the wrong number had been taken down for the OP's car or his had been cloned? I don't understand reference to a data protection issue.

Ignore me. Some reason I had it in my head op changed insurance companies rather than taking a policy with the same company which wasn't the case.

Doh!

dacouch

arcon5 wrote: »

How would Sabre know you have a new policy elsewhere?

Surely this would be a data protection issue? Passing on details of an alleged incident on Sabres part and the use of data on your insurers part?

As Johno posted Halifax were the OP's Insurers all the time.

It's not clear from the OP's posts but I suspect what's happened is Sabre have the OP's details for an accident with one of their clients. Sabre have then contacted Halifax to lodge a claim.

The cancellation is due I suspect to either Halifax being annoyed for the claim not being reported or more likely due to Sabre reporting the accident as being from a driver who is not insured on the policy (I assume due to mistaken identity) and Halifax cancelling due to this.

If they did do this then it would be obviously best if Halifax had investigated the claim before cancelling.

Halifax appear not to have handled the matters in a reasonable manner but I cannot be certain as getting information out of the OP is not very easy