Insurance Charging me £400 late reporting fee?

dacouch

Parking_Trouble wrote: »

Perhaps the [STRIKE]penalty[/STRIKE] additional excess should be linked to the additional costs incurred due to late notification, limited to the £400 in this case.

When the additional costs for a three month delay (As in the OP's case) could easily be well in excess of £3000 for a very basic car on credit hire £400 is not bad. If it was an executive car or 4x4 this kind of delay could easily top £10k

I can assure you that the Insurer would much rather their customer rang them and reported an accident within 24 hours and receive no excess rather than a few months later and receive £400 excess.

gunner786

The accident didnt involve another car. I was in dead end in a close doing 5mph and a minor on a bike smacked into the side of my car specifically the front drivers side tyre/wheel arch.
Not my fault but now they are claiming for injuries to the minor.

minor is about 4-5 years old

Quentin

Parking_Trouble wrote: »

What do you recommend then?

If you want to prove you sent something and it's in the interest of the recipient not to receive the letter then don't use recorded delivery. (The recipient will be able to "prove" they didn't receive it if they choose not to accept it/collect from sorting office/postie doesn't bother getting a sig)


Get a free proof of posting.

Quentin

gunner786 wrote: »

..... they are claiming for injuries to the minor.

minor is about 4-5 years old

Injuries to minors can be pursued up to 3 years after they are 18.


So keep all correspondence and current insurance details on file for the next 18 years.

Parking_Trouble

Proof of posting and RD achieve the same result in proving that you sent a letter to an address. RD proves it was delivered, or delivery was attempted. Onus should be on the recipient to collect it but sender can also track it.

Surely more difficult to explain why you didn't accept the letter rather just claim it never arrived.

Why wouldn't the insurer want to receive notification of a reported accident?

Quentin

Parking_Trouble wrote: »

Proof of posting and RD achieve the same result in proving that you sent a letter to an address. RD proves it was delivered, or delivery was attempted. Onus should be on the recipient to collect it but sender can also track it.

Surely more difficult to explain why you didn't accept the letter rather just claim it never arrived....

The problem with recorded delivery (when its to the recipient's interest to deny receipt) is you cannot rely on the postie to get a sig.

(Then the recipient can "prove" it wasn't received.)

Additionally anyone can avoid the receipt of a recorded delivery item,

gunner786

got a letter today saying because i havent paid i am now in breach and my insurance will be cancelled!!!

dunstonh

gunner786 wrote: »

got a letter today saying because i havent paid i am now in breach and my insurance will be cancelled!!!

Why havent you paid it?

You do realise the consequences of having a cancelled policy? If you are a self employed/partnership then you have to declare this cancellation by the insurer due to non payment on future insurance purchases (even on your personal car and household). This will see many insurers refuse to offer you cover or increase your premiums.

Do something about this before you get to that stage.

gunner786

because they put it on hold for time being while accident is investigated. rang them today they said letter was sent out automatically dont worry about it

nobbysn*ts

gunner786 wrote: »

because they put it on hold for time being while accident is investigated. rang them today they said letter was sent out automatically dont worry about it

They'll most likely cancel it automatically as well. Get it in writing.