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Non-existent car accident
19Chippie86
Posts: 1 Newbie
I need some advice regarding a non-existent accident being recorded on what I assume is the motor insurance database, and can I get this removed?
Last year my insurance company phoned me advising that they had received information that I had been involved in a car accident with another vehicle just outside Birmingham on such date.
I informed my insurers that I was not in or around the Birmingham area on that date, and that I was in fact in London over 100 miles away. Fortunately, I could prove this in the form of debit card receipts linked to my name and a car park ticket showing my vehicle registration. In addition, an independent investigator came to my address and viewed my vehicle for any signs of damage of which there wasn’t any, and I did have witnesses who could confirm my whereabouts on that day.
Naturally, after my insurer presented the evidence, the other party withdrew their claim and I was advised that the issue was now closed and that it was a mere case of mistaken identity.
When it came to renewal time I received my NCB letter showing my no claims entitlement of 8 years. This is correct, however, lower down on the letter it shows that the accident has been recorded on my file as a no blame incident.
When it came to obtaining motor insurance quotations I conducted 2 searches for each insurer I was considering. While some quotes remained the same with and without mentioning the accident (no blame), some did raise my premiums. Eventually, I went with the Co-Operative who were one of the insurers whose quotation remained the same, however, a customer service advisor from Co-Op did inform me that it should be removed from the database when I called for advice.
Unfortunately, I have had no luck with my previous insurer as when I call them I am told it will be forwarded to their complaints department and that I will hear from someone in due course.
I just find it unfair that this should be recorded when I was not involved in any such incident.
Any help would be greatly appreciated.
Last year my insurance company phoned me advising that they had received information that I had been involved in a car accident with another vehicle just outside Birmingham on such date.
I informed my insurers that I was not in or around the Birmingham area on that date, and that I was in fact in London over 100 miles away. Fortunately, I could prove this in the form of debit card receipts linked to my name and a car park ticket showing my vehicle registration. In addition, an independent investigator came to my address and viewed my vehicle for any signs of damage of which there wasn’t any, and I did have witnesses who could confirm my whereabouts on that day.
Naturally, after my insurer presented the evidence, the other party withdrew their claim and I was advised that the issue was now closed and that it was a mere case of mistaken identity.
When it came to renewal time I received my NCB letter showing my no claims entitlement of 8 years. This is correct, however, lower down on the letter it shows that the accident has been recorded on my file as a no blame incident.
When it came to obtaining motor insurance quotations I conducted 2 searches for each insurer I was considering. While some quotes remained the same with and without mentioning the accident (no blame), some did raise my premiums. Eventually, I went with the Co-Operative who were one of the insurers whose quotation remained the same, however, a customer service advisor from Co-Op did inform me that it should be removed from the database when I called for advice.
Unfortunately, I have had no luck with my previous insurer as when I call them I am told it will be forwarded to their complaints department and that I will hear from someone in due course.
I just find it unfair that this should be recorded when I was not involved in any such incident.
Any help would be greatly appreciated.
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Comments
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19Chippie86 wrote: »I need some advice regarding a non-existent accident being recorded on what I assume is the motor insurance database, and can I get this removed?
Last year my insurance company phoned me advising that they had received information that I had been involved in a car accident with another vehicle just outside Birmingham on such date.
I informed my insurers that I was not in or around the Birmingham area on that date, and that I was in fact in London over 100 miles away. Fortunately, I could prove this in the form of debit card receipts linked to my name and a car park ticket showing my vehicle registration. In addition, an independent investigator came to my address and viewed my vehicle for any signs of damage of which there wasn’t any, and I did have witnesses who could confirm my whereabouts on that day.
Naturally, after my insurer presented the evidence, the other party withdrew their claim and I was advised that the issue was now closed and that it was a mere case of mistaken identity.
When it came to renewal time I received my NCB letter showing my no claims entitlement of 8 years. This is correct, however, lower down on the letter it shows that the accident has been recorded on my file as a no blame incident.
When it came to obtaining motor insurance quotations I conducted 2 searches for each insurer I was considering. While some quotes remained the same with and without mentioning the accident (no blame), some did raise my premiums. Eventually, I went with the Co-Operative who were one of the insurers whose quotation remained the same, however, a customer service advisor from Co-Op did inform me that it should be removed from the database when I called for advice.
Unfortunately, I have had no luck with my previous insurer as when I call them I am told it will be forwarded to their complaints department and that I will hear from someone in due course.
I just find it unfair that this should be recorded when I was not involved in any such incident.
Any help would be greatly appreciated.
A similar thing happened to me. Once they accepted I was telling the truth, a telephone call sorted out the fact that it remained on their files; however, as it hasn't in your case, a letter (in writing, old fashioned snail mail) is required. A nice firm one...0 -
19Chippie86 wrote: »I just find it unfair that this should be recorded when I was not involved in any such incident.
Any help would be greatly appreciated.
Have a nice word with them, if that does not work tell them you will be speaking to your solicitor about getting compensation for libel.0 -
You need to start the paper chain running now with a formal complaint (unless your previous complaint has been noted as such
They have 8 weeks to respond.
If they ignore you for the 8 weeks or you are unhappy with the reply then you can escalate to the FOS for their adjudication at no cost to you.0 -
You need to write to your previous insurers and you must head the letter with the word "complaint", in capitals, underlined.
If you dont;t, well its just general correspondence.
If that doesnt do it, i believe there is an insurance ombudsman??Feudal Britain needs land reform. 70% of the land is "owned" by 1 % of the population and at least 50% is unregistered (inherited by landed gentry). Thats why your slave box costs so much..0 -
The database is CUE. We now set claims to no fault (as opposed to non-fault) and CRU automatically take them off now for our company.
Your previous insurer can get it taken off CUE, and only takes a couple of working days.0 -
FutureGirl wrote: »The database is CUE. We now set claims to no fault (as opposed to non-fault) and CRU automatically take them off now for our company.
Your previous insurer can get it taken off CUE, and only takes a couple of working days.
Can you say what happens in CUE for "for information only " letters which may be sent to insurers to comply with the requirement to notify? Would a "for information only" notice lead to a premium increase? thanksFeudal Britain needs land reform. 70% of the land is "owned" by 1 % of the population and at least 50% is unregistered (inherited by landed gentry). Thats why your slave box costs so much..0 -
Yes cue has reported losses as well as claims
Generally any change in your profile such as a reported loss results in premium loadings0 -
Sorry,,is there a difference between "non fault" and "no fault"...?FutureGirl wrote: »The database is CUE. We now set claims to no fault (as opposed to non-fault) and CRU automatically take them off now for our company.
Your previous insurer can get it taken off CUE, and only takes a couple of working days.Feudal Britain needs land reform. 70% of the land is "owned" by 1 % of the population and at least 50% is unregistered (inherited by landed gentry). Thats why your slave box costs so much..0 -
sevenhills wrote: »Have a nice word with them, if that does not work tell them you will be speaking to your solicitor about getting compensation for libel.
Insurers have heard this all before. Small claims' court, solicitors, this and that. Including this would likely do no harm or good.
A concise, well-worded, letter or email of complaint explaining the situation once more should get your record amended. If letter, ensure it's sent recorded delivery & get proof of postage.0 -
Insurers have heard this all before. Small claims' court, solicitors, this and that. Including this would likely do no harm or good.
A concise, well-worded, letter or email of complaint explaining the situation once more should get your record amended. If letter, ensure it's sent recorded delivery & get proof of postage.
A relative of mine got a payout of a few thousands of pounds because a company damaged his credit score at a crucial time.0
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