How insurers and their chosen garage treats us

ray-s

The most important thing to remember if you ever have an accident is that YOU pay the insurance premium and YOU can choose the repairer. Your insurer in that situation will refuse to give you a courtesy car but your chosen repairer will usually offer you one.

Skintski

ray-s wrote: »

The most important thing to remember if you ever have an accident is that YOU pay the insurance premium and YOU can choose the repairer. Your insurer in that situation will refuse to give you a courtesy car but your chosen repairer will usually offer you one.

That is assuming that there is no small print in the policy forcing the customer to pay an extra excess if they wish to take their vehicle to a repairer that is not recommended by the insurance company.

Generally the insurer will refuse to guarantee the quality of the work also meaning that if anything goes awry then you have to fight it yourself with the repairer.

Casey_Ryback

The time has come to the annual renewal.

Insurer charges me 60£ dearer due to my claim and declared me at fault because apparently it is a common insurers practice that you have to be treated at fault until they recover charges from third party.
As third party refuses to pay, insurer simply doesn't follow up just blame it on their own client!

Is this really how customers should be traeted?
I there anything I can do against there crooks?
I have legal protection and they don't pursue because third party is foreign...

Financial ombudsman investigation is not over yet however my insurance cover will end soon

Please kindly advise

Quentin

Explain to your chosen new insurer that you have an ongoing claim and see if they are prepared to reduce your premium if your NCD is reinstated (and refund you the difference from the policy start date) once the claim is closed.


If they agree then ask for this in writing!


Or stay where you are and if the FOS upholds your complaint you can expect your insurer to do this.

Casey_Ryback

Update on a never ending story...
Sadly the financial ombudsman upheld the insurers interests.
It says in a written statement that is is a standard insurance attitude that if a foreign vehicle damages a UK vehicle and the pursuit of the foreign 3rd party becomes financially expensive for the insurance company than they may choose to stop the legal pursuit and simply blame it on the insured UK motorist!
Are we really insured on UK roads against foreign vehicles and against our own insurers abusive business practice?

Now on my insurance record I am at fault! !!!!!! is this world becoming??

dacouch

Do you think it's acceptable for an Insurer to spend say £5k trying to recover £2k bearing in mind they probably will not be able to recover any of the £3k difference back?

Incidently a Lorry tyre that bursts is typically not the Lorry driver's fault but just deemed an unavoidable accident with the injured party (Or their Insurers) out of pocket.

The same would happen if the accident had been with a UK motorist as that's how UK civil law works

HappyMJ

Casey_Ryback wrote: »

Update on a never ending story...
Sadly the financial ombudsman upheld the insurers interests.
It says in a written statement that is is a standard insurance attitude that if a foreign vehicle damages a UK vehicle and the pursuit of the foreign 3rd party becomes financially expensive for the insurance company than they may choose to stop the legal pursuit and simply blame it on the insured UK motorist!
Are we really insured on UK roads against foreign vehicles and against our own insurers abusive business practice?

Now on my insurance record I am at fault! !!!!!! is this world becoming??

It is a claim on your insurance. It's not your fault it's just a claim.

It was an accident. A tyre blew out, bits hit your car and you have a loss. You can't claim against the other driver as they did nothing wrong unless of course they knew the tyre was dangerous before they started the journey but proving that would be very difficult.

It's not nice but that's what insurance is for.

Casey_Ryback

Just one last bit of help need if you could enlighten me please?
So claim companies are constantly harassing me at least twice a day as the are attempting to convince me that if I say I had any injury I could get compensation. There was no personal injury and I am not willing to make any false statement. However I would love to get rid of these lot. Asked them nicely to leave me alone,told them off less kindly but they still bugging me...How to get rid off them calls please? Banning number from phone doesn't help as they jump numbers and call from a different one...Many thanks

worried_jim

Sadly they will never leave you alone and you will get plagued by these calls in all likelihood for eternity. Your details will be sold on and on forever. I've been getting them, fortunately mostly just texts now for about ten years.

Casey_Ryback

Who sold my details at the first place? Without my consent...
What happened to the data protection law? Doesn't apply?
Thank you