Never informed of Claim against me?

danny1337

societys_child wrote: »

Front of your car doesn't appear to "match" with the damage caused to his rear valance.
As I said earlier, classic crash for cash, that's how it works. Thought the insurance companies were supposedly stamping down on it. What company is it?

Yes its so frustrating, It was with Hastings.

MalMonroe wrote: »

A few years ago a motorist let their car roll into the back of mine while we were at traffic lights. There was no damage whatsoever but we exchanged mobile phone numbers and I phoned my insurance company just to ask if I should report it, in case of any later claims by the other motorist. They said it was my decision but promptly put it onto MID (Motor Insurance Database) even though I had told them that there was no damage and I wasn't reporting anything and no claims were being made, it was just a query and not official. It remained on my personal record with MID for a number of years. May have been four or five, I can't remember. I never heard from the other motorist. But it was a no fault thing and my premiums did not rise. I didn't lose my NCD. The insurance company stressed that I would not be charged any extra or penalised but every time I applied for new insurance I had to declare it as an 'accident' although it never was and I would have been penalised if I hadn't declared it. Even when I changed cars it was still there. I always did declare it of course but once was accused of not declaring it, and that insurance company ended up paying me £50 compensation for making a false accusation. The point is that every time a motorist reports an accident to their motor insurance company, it will be registered on MID. And it will stay on there for years. So that even when a person changes insurance companies or cars, it's still there. You can't escape it and if you don't declare any incident, accident or whatever, insurance companies will chase you because it's a central, national database. You can also look at the MID yourself, to see what an insurance company has been up to, for a small fee. I can't believe that any reputable insurance company would simply pay out £7,000 without letting you know, though, especially as they said you were at fault. You should have been informed of that at the time, or even before it was settled. I'd have to complain, at the very least. You do have a right to know. On a personal level, it's going to take a lot for me to ever report anything to any insurance companies in the future (not just motor insurers) especially when the excesses are so excessive and keep rising.

Drives you mad doesn't it, they get away with too much stuff, I have made a complaint but they have basically said so far they don't have to inform me if a third party claims against me. Which I find hard to understand but there you go.

danny1337

So just an update for anyone else who may have this issue in the future and also to those of you who were judgemental and seemed to think they know best, my insurance has admitted they failed to follow there own policy and did not send me a letter when my claim was closed. Meaning I did not have the proper information when taking out a new policy.


So they have agreed to compensate me and send a apology letter, It's really sad that I came here for advice and was basically fobbed off by most of you who didn't even properly ready my first post. But I atleast now know that I wasn't wrong and Im happy with the outcome.


Thanks