XS direct sending £2300 claim

rudekid48

rs65 wrote: »

I'd like to know how successful they are in recovering the £3000 from policyholders.

Very. They have to be to sustain that business model.

Aretnap

rs65 wrote: »

I would say they cover this quite comprehensively in several places on their website. Its also mentioned in the introduction in the policy

True, though the OP seems to have bought it via a broker rater than through the XSdirect website, so it would depend on what information he was actually given by the broker. The OP's a bit vague Khan - and he doesn't seem to have all the docs.

awolo1

XS direct like providing insurance to cars of a high value for young drivers i.e. RRS Porsche etc
This is why the excesses can be high it makes the premium very attractive.

dacouch

awolo1 wrote: »

XS direct like providing insurance to cars of a high value for young drivers i.e. RRS Porsche etc
This is why the excesses can be high it makes the premium very attractive.

That's fair enough, however an excess that the customer has to pay out if they have an accident is extremely unusual and MUST be made very very clear to the customer so they can make an informed choice

dacouch

rudekid48 wrote: »

Very. They have to be to sustain that business model.

There's a similar case to this on the RAC forum at the moment and that poster's broker has the XS Direct Summary of Cover on their website.

Interesting reading...

http://www.insureyourmotor.com/MyFiles/Files/Private%20Car%20Policy%20Documents/XS%20Direct%20-%20Policy%20Summary%20-%20Sept15.pdf

forgotmyname

I read the first 3 boxes and thought the policy holder is not claiming, but then the 4th box mentions claims from any 3rd party.

A cheap policy with a serious risk of being in debt for many years?

Sathish

Hi All,


Finally got a phone call from XS Direct today. They are requesting me to pay the amount £2258. They suggested payment plan of £377 every month until 6 months - This includes the interest amount
If I am not paying then they would request debt collection agency to collect the payment.


I will be speaking to the "one call" insurance broker today to get all the insurance renewal documents. Let's see what it says regarding All sections excess anywhere in the documents list.


I told to the XS direct person over phone that I am not aware of "All Sections " ? and he says it should be known to you before signing the policy and he asked how did I get the policy through one call.
I said in "online"
He said then you should have read the terms the conditions of the policy


I am going to request "one call" all the details regarding the policy and I am going to take it from there


If anything is misleading or not informed to me, I am going to file a complaint to ombudsman.....


I have no other choice

Sathish

Hi All,
It looks like there is a mistake between Policy underwriter and Broker
I had revised the Policy in month of Feb this year and that revised policy did not had All section excess luckily


So I believe I don't have to pay now


XS direct said they will check and come back to me


haven't heard anything for a while

bulent_2

You might have answered this question a thousand times but my situations in a little different, i have a car insurance police with xs direct and i was involved in a car accident 5/7/15, i was not at fault! I have picture to prove, and where the damage was made on the vehicle, couple months later my insurance was due for a renewal and i asked about my claim, they told me that the claim has been drooped by the other company (london transport, bus) and i haven't got to worry about it, the reason why i didnt claimm is because i dont like dealing with all the paper work and that. 1 year later i received a call from them tell me i owe them £500 odd pounds for paying the 3rd company out, apparently it has went to court without anyone notifying me with any information that the claim was still carrying on. Well i took the insurance out other the internet i wasn't aware of this all excess thing till today, i spoke to them over the phone telling them i wasn't sent y term and condition over the post or it wasent e-mail to me, they turnt around and said well i will send that through the post today? I refused it,
i haven't made a claim against the 3rd company
they said they will cancel my insurance in 7 working days if i dont pay my excess.
And i told them i havent got the money for it now i will pay them next month they have refused to help me with a settlement plan.
Please get back to me thanks you

dacouch

bulent wrote: »

You might have answered this question a thousand times but my situations in a little different.

I have a car insurance police with xs direct and i was involved in a car accident 5/7/15, it was not at fault! I have picture to prove this and where the damage was made on the vehicle.

A couple months later my insurance was due for a renewal and I asked about my claim, they told me that the claim has been dropped by the other company (london transport, bus) and I don't have to worry about it.

The reason why i didnt claim is because i dont like dealing with all the paper work.

One year later i received a call from them tell me i owe them £500 odd pounds for paying the 3rd company out, apparently it has went to court without anyone notifying me with any information that the claim was still carrying on. Well i took the insurance out other the internet i wasn't aware of this all excess thing till today, i spoke to them over the phone telling them i wasn't sent the terms and conditions over the post or it wasent e-mail to me, they said well i will send that through the post today? I refused it.

I haven't made a claim against the 3rd company.

They said they will cancel my insurance in 7 working days if i dont pay my excess.

I told them i havent got the money for it now i will pay them next month they have refused to help me with a settlement plan.

Please get back to me thanks you

I hope you don't mind, but I've amended your post to include paragraphs, this will make it easier for more people to read and is likely to prompt more responses.

When is your current Policy due for renewal?

How do you pay your premium and roughly how much is your premium?