We'd like to remind Forumites to please avoid political debate on the Forum. This is to keep it a safe and useful space for MoneySaving discussions. Threads that are - or become - political in nature may be removed in line with the Forum’s rules. Thank you for your understanding.
We're aware that dates on the Forum are not currently showing correctly. Please bear with us while we get this fixed, and see Site feedback for updates.

Insurance Company Not Offering Enough To Replace Vehicle

2»

Comments

  • You don't have to take their offer or go through your own insurer. There is an option of using a third-party claim organisation. Threaten them with that, say you're looking for a no-win no-fee company as the offer isn't high enough and see what they offer. Insurers hate them and try hard to avoid them.

    You don't need to follow through, using one can be quite messy, but the threat may make a difference.
  • dacouch
    dacouch Posts: 21,636 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    Loobiec wrote: »
    I worked for a credit card company, we once had a complaint about an advert that we ran, it had a young girl picking a flower (this was is illegal apparently) someone complained to us about this, we sent a letter etc and paid some compensation (I think we also gave some money to charity), this person took their complaint to the ombudsman because they were still not happy about it.

    It was upheld, you call that extreme? I have dealt with the Ombudsman on a daily basis for many years and I can assure you, the Ombudsman WILL get involved if they deem the outcome of the complaint from the 3rd party company as unacceptable or fair on the individual in question, the extremity of it is irrelevant.

    I'd also say pressuring someone into accepting a undervalued offer would count as 'extreme'.

    I'm going to stop going into this now as it is diverting from the OP.

    https://www.financial-ombudsman.org.uk/businesses/complaints-deal/insurance/motor-insurance/vehicle-valuations-write-offs


    Great story etc but you do not know what you're talking about in relation to Insurance. A third party has literally zero chance of the Ombudsman accepting a complating from them about an Insurer of whom they are not a customer

    Please stop giving the poster false information abiout them being able to complain to the Ombudsman as everyone apart from you lknows this not to be the case.

    Assuming your story about the advert is true, the Ombudsman accepts complaints from customers of a financial business or potential customers. Your story would come under the latter

    https://www.financial-ombudsman.org.uk/faqs/using-service/can-bring-complaint-ombudsman
  • Loobiec wrote: »
    I worked for a credit card company, we once had a complaint about an advert that we ran, it had a young girl picking a flower (this was is illegal apparently) someone complained to us about this, we sent a letter etc and paid some compensation (I think we also gave some money to charity), this person took their complaint to the ombudsman because they were still not happy about it.

    It was upheld, you call that extreme? I have dealt with the Ombudsman on a daily basis for many years and I can assure you, the Ombudsman WILL get involved if they deem the outcome of the complaint from the 3rd party company as unacceptable or fair on the individual in question, the extremity of it is irrelevant.

    I'd also say pressuring someone into accepting a undervalued offer would count as 'extreme'.

    I'm going to stop going into this now as it is diverting from the OP.

    https://www.financial-ombudsman.org.uk/businesses/complaints-deal/insurance/motor-insurance/vehicle-valuations-write-offs

    Cool story but completely irrelevant to the OP. You are wrong and not helping the OP.
    All matter is merely energy condensed to a slow vibration, we are all one consciousness experiencing itself subjectively, there is no such thing as death, life is only a dream, and we are the imagination of ourselves.
  • System
    System Posts: 178,227 Community Admin
    10,000 Posts Photogenic Name Dropper
    edited 20 September 2019 am30 11:41AM
    dacouch wrote: »
    Great story etc but you do not know what you're talking about in relation to Insurance. A third party has literally zero chance of the Ombudsman accepting a complating from them about an Insurer of whom they are not a customer

    Please stop giving the poster false information abiout them being able to complain to the Ombudsman as everyone apart from you lknows this not to be the case.

    Assuming your story about the advert is true, the Ombudsman accepts complaints from customers of a financial business or potential customers. Your story would come under the latter

    https://www.financial-ombudsman.org.uk/faqs/using-service/can-bring-complaint-ombudsman

    Can he complain to them? - YES, will they go 'you have to give him £1000 more', no. Can he go to them about them using pressure tactics to force him into a decision? Yes, of course he can and YES they would look into that.

    You have assumed I'm taking financially, I am NOT nor have I ever and you can't go 'they will look at EXTREME cases only' what is an extreme case?

    The story is correct and why would it ever be looked as a 'potential customer'?
    rudekid48 wrote: »
    Cool story but completely irrelevant to the OP. You are wrong and not helping the OP.

    I have helped the OP, I have never informed the OP to go to the Ombudsman regarding the financial matter. I have informed the OP not to accept the offer and to use their own insure and to complain the company involved about the pressure tactics they have used.

    I assume you both have large amount of dealings with them eh? ;)
    This is a system account and does not represent a real person. To contact the Forum Team email forumteam@moneysavingexpert.com
  • rudekid48
    rudekid48 Posts: 2,382 Forumite
    Part of the Furniture 1,000 Posts
    edited 20 September 2019 pm30 3:49PM
    Loobiec wrote: »
    Can he complain to them? - YES, will they go 'you have to give him £1000 more', no. Can he go to them about them using pressure tactics to force him into a decision? Yes, of course he can and YES they would look into that.

    You have assumed I'm taking financially, I am NOT nor have I ever and you can't go 'they will look at EXTREME cases only' what is an extreme case?

    The story is correct and why would it ever be looked as a 'potential customer'?



    I have helped the OP, I have never informed the OP to go to the Ombudsman regarding the financial matter. I have informed the OP not to accept the offer and to use their own insure and to complain the company involved about the pressure tactics they have used.

    I assume you both have large amount of dealings with them eh? ;)

    Yes I do, but probably not as much as Dacouch.

    The OP is not a policyholder of the TP insurer, nor a 'potential customer' (for motor insurance this tends to apply when people feel misled or aggrieved due to something that happens when obtaining a quotation or attempting to buy a policy). As such, their dealings with the insurer as a 'Third Party Claimant' do not have the same recourse with FOS as they would if they had claimed directly with their own insurer. This is one of the downsides of dealing directly with the TP insurer after a non-fault accident - there are upsides e.g. not having to pay & reclaim excess etc, but your options (complaints wise) are limited if it comes to a dispute.

    The example story that you have given has nothing to do with the situation here. Nobody is questioning if the story is real - just pointing out that it has no relevance to this situation.
    All matter is merely energy condensed to a slow vibration, we are all one consciousness experiencing itself subjectively, there is no such thing as death, life is only a dream, and we are the imagination of ourselves.
  • dacouch
    dacouch Posts: 21,636 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    Loobiec wrote: »
    Can he complain to them? - YES, will they go 'you have to give him £1000 more', no. Can he go to them about them using pressure tactics to force him into a decision? Yes, of course he can and YES they would look into that.

    You have assumed I'm taking financially, I am NOT nor have I ever and you can't go 'they will look at EXTREME cases only' what is an extreme case?

    The story is correct and why would it ever be looked as a 'potential customer'?



    I have helped the OP, I have never informed the OP to go to the Ombudsman regarding the financial matter. I have informed the OP not to accept the offer and to use their own insure and to complain the company involved about the pressure tactics they have used.

    I assume you both have large amount of dealings with them eh? ;)


    Can he complain to them yes he can, are they under any regulatory obligation to investigate his complaint, no they are not. They can simply toss his complaint straight in the bin if they feel like it.

    and no the Ombudsman is unlikely to look at the third party Insurer applying pressure to accept the valuation as they are not the OP's Insurer and no contract exists between the OP and the Insurer.
This discussion has been closed.
Meet your Ambassadors

🚀 Getting Started

Hi new member!

Our Getting Started Guide will help you get the most out of the Forum

Categories

  • All Categories
  • 348.4K Banking & Borrowing
  • 252.1K Reduce Debt & Boost Income
  • 452.4K Spending & Discounts
  • 241K Work, Benefits & Business
  • 617.3K Mortgages, Homes & Bills
  • 175.7K Life & Family
  • 254.1K Travel & Transport
  • 1.5M Hobbies & Leisure
  • 16K Discuss & Feedback
  • 15.1K Coronavirus Support Boards

Is this how you want to be seen?

We see you are using a default avatar. It takes only a few seconds to pick a picture.