No Motor Legal Protection and Policy Excess outstanding?

lisyloo

so it makes you wonder why to string it out as much.

To save money and hence keep premiums down.

Believe it or not some people will just go away (perhaps they get ill or divorced or something else happens and they can't deal with it).
But worse case they delay payment, not just on your excess but many thousands of pounds worth of payouts.

At this rate I may just tally up the extra expenses that are being incurred.

What are those?
You might be able to claim a few pounds for stamps etc. but your time will not get valued (sorry, I don't think that's fair either, but it's the way it is).

this just hurts everyone who's insured

No it doesn't. It's saves money for them and their customers.
I'm not condoning it just explaining it.

They can't honestly expect I'm just going to wave my excess goodbye, do they?

A % will yes. They might be getting divorced, sick, having a baby, moving house or just very busy at work etc.

But it just underlines how they try and make money out of each and every one of us with their Motor Legal protection options that most will never use.

Don't buy theirs then, but a cheaper but good one such as the one I suggested.

Insurance, legalised robbery

If you feel that way. You should take the minmum required legally and self-insure for everything you can afford to.
However do bear in mind you wouldn't have got your car repaired quickly if you hadn't paid full comp as you'd be trying to get that sorted yourself as well.

nostrawaggus

Thanks for your input, I appreciate it.
I'll look into the memonline company.

Do you suggest I wait (again) for Resolver and the complaint lodged via that, or get straight onto the 'Notice before action' letter via signed for?

Presumably, any costs relating to court action can be added to the losses encountered? If they pull out before it gets this far, what happens to those registration costs that I may have encountered?

thanks again.

nostrawaggus

PS: on the note of the repairs:

My car was gone for 2 weeks, during which time I had Enterprise Rent A Car provide me with a like-for-like which was billed to the other party too. I'm sure somebody somewhere is making money from all these referrals, aren't they? The last time I was involved in a minor not-fault fender bender, I had to deal with 6 months worth of personal injury companies calling me who somehow had my details from somewhere. I noted at the time that there were so many contact points along the 'customer journey' where my details could have gone awry .... from the call centre staff taking private notes of email addresses and names, to the credit hire companies who supply you the vehicles, or the guy who delivers the vehicle to you and gets you to sign those contracts. Just an observation.

On the note of Credit Hire Companies: That last time the supplied me a basic vehicle but charged that other party an extortionate amount. It tallied up to around £4000 worth of credit hire charges for a car that I had for... yes... 2 weeks.
I could get a Porsche for a lot less using Avis for the same period.

nostrawaggus

I guess the owners of those Credit Hire companies are the ones with the Yachts? But from memory, the details of the company were supplied to me at the time by Admiral (who were my insurer at that time).

Around 1 year after that claim was finished and settled I came to realize that the other party (RSA) had mistakenly logged the incident against me on the magical Insurer Database. I only found out because my partner was being refused insurance on her car when searching for quotes online as the details she was entering didn't tally up obviously. It took me another 4 months to get to the bottom of all of that in that instance.

Quentin

You can add hospital staff/vehicle recovery staff/rogues at the insurers/police staff/etc

If you get calls now block them.

But many of the calls are simply cold calls hoping to hit lucky, and that the driver called has a claim in the last 3 years

nostrawaggus

Quentin wrote: »

But many of the calls are simply cold calls hoping to hit lucky, and that the driver called has a claim in the last 3 years

yes, I would agree, but not when they have your name and coincide with a recent incident? Too much of a coincidence for my liking. I was literally blocking 4 calls a day, some of which were dubious numbers in that they were 'dead' when called back (ie spoofed).

Nurse & Police have positions of trust, I would argue, of course there's always some rotten apples. Generally it's more likely to be those in Administrative roles at Garage, Credit Hire companies or call centres I would guess who see all your information on a screen or paperwork.

lisyloo

Do you suggest I wait (again) for Resolver and the complaint lodged via that, or get straight onto the 'Notice before action' letter via signed for?

Difficult for me to say.
Depends on whether you think they will pay out given a few weeks or they will never pay out until your threaten them.

Presumably, any costs relating to court action can be added to the losses encountered? If they pull out before it gets this far, what happens to those registration costs that I may have encountered?

You can re-claim some costs.
https://www.compactlaw.co.uk/free-legal-information/small-claims-court/claiming-costs.html
It doesn't cost much to send a "letter before action" i.e. stamp and recorded delivery if you want that.
A free proof of posting is sufficient but sometimes I prefer to be certain it's got there for an extra 75p (or whatever it is now).

I'm sure somebody somewhere is making money from all these referrals, aren't they?

Yes of course.

I could get a Porsche for a lot less using Avis for the same

If it wasn't at pre-agreed rates, the insurer can dispute and you would have agreed to go to court i.e. help with recovery in the agreement you signed.

nostrawaggus

So I sent the Letter before Action to Admiral last week.

On Saturday I received my cheque for the full Policy Excess owed from eSure (My insurer).

So, I'm not sure if it all had just crossed or if my letter before action got them into gear, finally.

At any rate, the matter is now closed as far as I'm concerned, but I still have no information as to why they were ignoring the formal complaints etc.

thanks for your help.

paddyandstumpy

nostrawaggus wrote: »

So I sent the Letter before Action to Admiral last week.

On Saturday I received my cheque for the full Policy Excess owed from eSure (My insurer).

So, I'm not sure if it all had just crossed or if my letter before action got them into gear, finally.

At any rate, the matter is now closed as far as I'm concerned, but I still have no information as to why they were ignoring the formal complaints etc.

thanks for your help.

If you mean your complaint to Admiral, then they will ignore this as you are not their customer and cannot complain about that policy!