Insured or not?

cavework

Insurance is RSA arranged through a broker

Spicy_McHaggis

dacouch wrote: »

Is your Insurer Admiral or one of their group of companies? I ask as they have a specific part of the policy which excludes cover for causing further damage to your vehicle after using it following an accident. Basically meaning if the car sustains further damage due to you driving it after an accident they will not cover the consequent damage

They may also want to cover themselves against such things a sharp edges that could cause injury.

atrixblue.-MFR-.

Spicy_McHaggis wrote: »

They may also want to cover themselves against such things a sharp edges that could cause injury.

Also a valid reason to await recovery but....Would the police officer who inspected the damaged and seen sharp edges allowed him to drive it though? surely he wouldn't have?

Spicy_McHaggis

atrixblue.-MFR-. wrote: »

Also a valid reason to await recovery but....Would the police officer who inspected the damaged and seen sharp edges allowed him to drive it though? surely he wouldn't have?

You're assuming it was inspected and he knew what he was talking about. Other than those few authorised to examine vehicles there is no training given.

arcon5

Car_54 wrote: »

An accident changes it if the car's written off: that's the end of the contract. I guess they're saying that until they've inspected it they don't know.

Not necessarily. It's not uncommon to continue with the policy with a new car.

JustinR1979

Surely smashing your car up is an undeclared modification?
So isn't in same state as when quoted and policy taken out.

dacouch

Spicy_McHaggis wrote: »

They may also want to cover themselves against such things a sharp edges that could cause injury.

If you dealt with frontline call centre Insurance staff on a regular basis you would realise that the staff manning the phones especially on jobs such as dealing with the first report of accidents such as the OP has dealt with have very little real understanding of Insurance. They will frequently guess answers or use urban myths about insurance to answer questions.

Unfortunately it's the nature of the beast when you pay low wages and have a high turnover of staff.

I think the person they spoke to either guessed that the van would be uninsured when this is likely to be wrong or wanted the hassle of ringing the recovery company to redirect them to another address

Spicy_McHaggis

dacouch wrote: »

If you dealt with frontline call centre Insurance staff on a regular basis you would realise that the staff manning the phones especially on jobs such as dealing with the first report of accidents such as the OP has dealt with have very little real understanding of Insurance. They will frequently guess answers or use urban myths about insurance to answer questions.

Unfortunately it's the nature of the beast when you pay low wages and have a high turnover of staff.

I think the person they spoke to either guessed that the van would be uninsured when this is likely to be wrong or wanted the hassle of ringing the recovery company to redirect them to another address

Added to the fact they maybe struggling to speak English in a country where insurance is optional?

dacouch

Spicy_McHaggis wrote: »

Added to the fact they maybe struggling to speak English in a country where insurance is optional?

I think all of RSA's call centres are back in the UK now.

I used to find the Indian Call Centre staff did not tend to know the urban myths that abound in the UK and did not have a habit of telling porkies. Apart from them having to pretend they were in the UK which was amusing when you know they're in India and ask their name which would always be something amusing like Wayne or Tracey.

I worked in a call centre a long long long time ago for a year, I was the only person in the front line who had any back ground in insurance. I used to amuse myself on late shifts by ringing up and pretending to be a customer. I would do calls such as I've just been registered totally blind and ask if they could send me a braille certificate & policy. It was not as PC then and I used to laugh when they rang through to the underwriting department (Who did understand Insurance) and ask how to print a Braille Certificate.

We would have to issue manual covernotes on occassions which would have to be countersigned by the customer services manager. She kept insisting I reissued mine as I was issuing a SD&P + Commuting covernote for someone who was covered for that. I was told I was wrong and it was the next class which happened to be Class One. I had to have a quiet word with the Underwriting Dept who were really shocked at how many customers had ended up being covered for Class One when they were not paying for it and in some cases were in trades that you would not want to provide Class One for.

The level of knowledge was shocking and was perpetuated by senior people who did not understand insurance passing their incorrect knowledge on to new staff

rudekid48

dacouch wrote: »

I think all of RSA's call centres are back in the UK now.

I used to find the Indian Call Centre staff did not tend to know the urban myths that abound in the UK and did not have a habit of telling porkies. Apart from them having to pretend they were in the UK which was amusing when you know they're in India and ask their name which would always be something amusing like Wayne or Tracey.

I worked in a call centre a long long long time ago for a year, I was the only person in the front line who had any back ground in insurance. I used to amuse myself on late shifts by ringing up and pretending to be a customer. I would do calls such as I've just been registered totally blind and ask if they could send me a braille certificate & policy. It was not as PC then and I used to laugh when they rang through to the underwriting department (Who did understand Insurance) and ask how to print a Braille Certificate.

We would have to issue manual covernotes on occassions which would have to be countersigned by the customer services manager. She kept insisting I reissued mine as I was issuing a SD&P + Commuting covernote for someone who was covered for that. I was told I was wrong and it was the next class which happened to be Class One. I had to have a quiet word with the Underwriting Dept who were really shocked at how many customers had ended up being covered for Class One when they were not paying for it and in some cases were in trades that you would not want to provide Class One for.

The level of knowledge was shocking and was perpetuated by senior people who did not understand insurance passing their incorrect knowledge on to new staff

My personal favourite is this little gem that I listened into at a Broker many years ago...

Customer "I'd like a quote for my MGB GT please"
Advisor "certainly Sir, and how do you spell that?"