Xs Direct car Insurance worse experience

Nayanhossain

I choose Xs direct compolsary 3000. I involve an accident that was not my fault but Xs direct make false investigation . Was very minor accident may be repair by £120/£150 just little bit mark very minor . Then Xs direct send me a letter you have to pay £1453.79 then i complain that was not my fault then they send same letter after two month I have pay now £1553.79.coz they add investigation charge . I never see any bad insurance company like Xs direct . If you choose excess £3000 they all accident happen they will make you to pay either your fouls or not . I suggest everyone don't go with Xs direct

Caz3121

Nayanhossain wrote: »

I involve an accident that was not my fault but Xs direct make false investigation .

did the other driver admit that the accident was their fault? was the accident reported to the police? if the other driver says it was not their fault either then there would be an investigation as you cannot both be correct
Is the payment for repair to the other parties vehicle?
Unfortunately you chose to choose a policy with a £3000 excess (I assume in return for a cheaper premium) so that would be your maximum liability
Have you followed their complaints procedure
http://www.xsdirectinsurance.co.uk/documents/T&Cs.pdf

pvt

Caz3121 wrote: »

did the other driver admit that the accident was their fault? was the accident reported to the police? if the other driver says it was not their fault either then there would be an investigation as you cannot both be correct
Is the payment for repair to the other parties vehicle?
Unfortunately you chose to choose a policy with a £3000 excess (I assume in return for a cheaper premium) so that would be your maximum liability
Have you followed their complaints procedure
http://www.xsdirectinsurance.co.uk/documents/T&Cs.pdf

There is no reason why the OP's insurer would charge the OP for damage to the 3rd party's property.

Quentin

In your OP you say the cost of your damage was between £120 & £150.


So why did you make a claim?


And how did you get your car back without paying the garage bill?


You normally pay the repairer your excess, and until you do they keep the car!

rs65

pvt wrote: »

There is no reason why the OP's insurer would charge the OP for damage to the 3rd party's property.

I think the £3000 excess applies to all claims.

pvt

rs65 wrote: »

I think the £3000 excess applies to all claims.

The excess is only ever on claims the insured makes in respect of repair to their own car.

rs65

pvt wrote: »

The excess is only ever on claims the insured makes in respect of repair to their own car.

Not with XS Direct. It applies to all sections.

https://www.xsdirectinsurance.co.uk/XSD_POLICY_WORDING_2014.pdf

pvt

rs65 wrote: »

Not with XS Direct. It applies to all sections.

https://www.xsdirectinsurance.co.uk/XSD_POLICY_WORDING_2014.pdf

Thanks RS65 - I stand corrected.

I presume that, in order to comply with the Road Traffic Act, they pay the third party in full and then send the insured an invoice. Which makes me wonder what happens if the insured doesn't cough up...

dacouch

pvt wrote: »

Thanks RS65 - I stand corrected.

I presume that, in order to comply with the Road Traffic Act, they pay the third party in full and then send the insured an invoice. Which makes me wonder what happens if the insured doesn't cough up...

Your assumption is correct.

They target Young Drivers and / or High Performance Cars, the £3000 ALL SECTIONS EXCESS enables them to charge low premiums.

Their customers tend not to fully understand the implications of the excess and / or are don't believe they will have a claim.

Last time I looked they had run the scheme off

forgotmyname

Anyone tried their website today?

Google (firefox) comes up saying untrusted connection and blocks their website.

oscarward

forgotmyname wrote: »

Anyone tried their website today?

Google (firefox) comes up saying untrusted connection and blocks their website.

Using IE it reports certificate expired but you can proceed and the web site responds as normal