Am I liable for the bill??

kimbers103

Oh this is all so complicated! How do I find out if something has been put on CUE? Or is it just a case of waiting to find out when my renewal is due? I'm worried now that if I fill in a quote form and say I've not made a claim, but something gets flagged up, then my trustworthiness will be questioned or my insurance will be deemed invalid if I need to then claim in the future?

InsideInsurance

You can do a Subject Access Request to find out what is held on CUE (Claims and Underwriting Exchange) but insurers arent always "prompt" at loading the data to it so no point doing a request immediately. Alternatively you could just ask your insurers.

Of cause the safest thing to do is to just contact your future insurers before buying and ask if they need it declared or not

spacey2012

You have no contract with green flag, so it will be down to the T+C's of your policy documents, therefore Green flag have no contract to use to bill you, unless you signed one at roadside ?

kimbers103

I never signed anything at the roadside, just handed the keys over after some small talk about the weather..

Hmm. I need to call them again tonight for an update so I'll ask them then if they've put it on the CUE system. I suspect they have as they've got a record of it all on their internal systems - and my day isn't exactly going well!

To be fair, I usually check insurance deals online and then call up to chat it over direct so it's not a massive drama having to ask the question each time once a year. It just seems like the whole thing seems to be growing arms and legs. Oh, I wish I hadn't been so stupid that morning!

InsideInsurance

kimbers103 wrote: »

I need to call them again tonight for an update so I'll ask them then if they've put it on the CUE system.

Not all insurers use CUE and Motor is less well used compared to Home. Plus some use it to check but dont add data to it.

Of cause insurers arent so keen on letting you know who does and doesnt use it and to what extent as you could then use this to help you commit fraud.

Bollotom

I've just gone on a comparison site for quotes and two questions were, "Have you ever had to claim on insurance" "Have you ever had an accident were you didn't claim on your insurance", or words to that effect so it could create a problem if it was found out. Never trust an insurance company. :cool:

force_ten

I would say that you are liable to pay the bill for recovery

you raised a claim with your insurance company and they put the wheels in motion to get your car taken to the garage and the repairs carried out, they arranged recovery with green flag and repairs with the garage

when the garage called and said the bill is £200.00 you said thank you very much paid the bill and cancelled the claim saying that you would cover the cost thinking that the £200.00 was the full picture

when green flag went to the insurance company for their money the insurance said they weren't paying as the claim has been cancelled and you had agreed to pay for the repair yourself

green flag need to be paid so as above you reopen the insurance claim pay your excess and cover the cost of recovery that way or you pay it yourself

NewUserHere

Very simple.

You pay your insurer to indemnify you. They arrange for recovery and repair. The cost of all this isn't less than the excess, but you decide you don't want them indemnifying you anymore - therefore liable for the costs of sorting your mess out.

Now the only technical bit would be your insurer instructed greenflag so greenflags bill to you is just speculative. But you are liable to your insurer as you chose for them to no longer indemnify you.

The end result is the same though... you need to pay it or make a claim again!!

Nodding_Donkey

Ask yourself this, would you have claimed for £350?

As a side question, do insurers really cover putting the wrong fuel in a car?

arcon5

Comprehensive insurance may.

I can't see how you can think the greenflag shouldn't be paid for the service (even if extortionate) or why you think your insurer should pay if you don't want to use their service after all.

The fee seems quite high though. How about phoning them and negotiating a lower fee?