Erroneous car claim - unusual situation - Advice needed

KKLLEERR

On 29th April I got an email from Admiral (with whom I insure 3 cars) advising that there was a "possible incident" involving my vehicle.  The date of the incident was 6th March and I know with certainty that the vehicle concerned (a Renault Clio) wasn't driven by anyone at all on that day.  I immediately telephoned them and told them that there must be a mistake.  They confirmed that the other insurance company was AXA and that they'd given a driver's name -let's call her Jane Jones -  a name that isn't on the policy and is nobody we know.  They couldn't tell me where or when the incident had taken place and we came to the conclusion that it must simply be a case of an incorrect registration number being taken.

Today I called Admiral to query why my renewal had increased by £500 and was told it was due to the outstanding claim.  I lost the plot a little bit since the claim is totally erroneous.  Admiral are going to request proof from AXA of the accident and, whilst I'm 100% confident it'll all eventually be resolved, they've told me it may take some time.  In the meantime my renewal quote is £500 more than it should be. 
Is there anything I can do to resolve this situation myself.
Has anyone experienced anything like this before?  Is it a case of someone writing the reg number down wrong or could it be a cloned reg number?  How does all this get sorted ?  Grateful for any advice.  Thank you.

TELLIT01

If anybody knew whether it was a number being written down incorrectly, or a cloned plate it would have been sorted by now.  There is nothing you can to apart from keep in regular contact with your insurer to ensure they don't just accept that your vehicle was involved.

KKLLEERR

Surely Admiral will not "just accept that my vehicle was involved" since the person named as driving the vehicle isn't on my policy.  

Jumblebumble

KKLLEERR said:

On 29th April I got an email from Admiral (with whom I insure 3 cars) advising that there was a "possible incident" involving my vehicle.  The date of the incident was 6th March and I know with certainty that the vehicle concerned (a Renault Clio) wasn't driven by anyone at all on that day.  I immediately telephoned them and told them that there must be a mistake.  They confirmed that the other insurance company was AXA and that they'd given a driver's name -let's call her Jane Jones -  a name that isn't on the policy and is nobody we know.  They couldn't tell me where or when the incident had taken place and we came to the conclusion that it must simply be a case of an incorrect registration number being taken.

Today I called Admiral to query why my renewal had increased by £500 and was told it was due to the outstanding claim.  I lost the plot a little bit since the claim is totally erroneous.  Admiral are going to request proof from AXA of the accident and, whilst I'm 100% confident it'll all eventually be resolved, they've told me it may take some time.  In the meantime my renewal quote is £500 more than it should be. 
Is there anything I can do to resolve this situation myself.
Has anyone experienced anything like this before?  Is it a case of someone writing the reg number down wrong or could it be a cloned reg number?  How does all this get sorted ?  Grateful for any advice.  Thank you.

There is nothing to stop you contacting AXA and seeing if they can shed any light on this.
It is very frustrating about the £500 but alas you have no choice

davidmcn

KKLLEERR said:

Surely Admiral will not "just accept that my vehicle was involved" since the person named as driving the vehicle isn't on my policy.  

Conversely, they're not just going to take the policyholder's word for it that it must be some sort of mistake by the other party. I doubt there's much you can do other than wait until they've sorted it out.

TELLIT01

Just because somebody isn't named on the policy doesn't mean they weren't driving the car.

KKLLEERR

Yes I know that.  You suggested that Admiral might "just accept the claim" which I thought was unlikely since they have no liability if the person driving isn't named on the policy.   And since this person wasn't driving my car they'd have no reason to accept the claim at all. 

Aretnap

KKLLEERR said:

Yes I know that.  You suggested that Admiral might "just accept the claim" which I thought was unlikely since they have no liability if the person driving isn't named on the policy. 

Admiral are actually liable, regardless of whether the driver was named on the policy or not. It's one of a number of measures to ensure that the victims of uninsured drivers have a way to claim compensation - very loosely the principle is that the insurer with the nearest connection to the car pays, unless the car has no insurance whatsoever in which case the MIB pays.

If the driver isn't named on the policy then the insurer has the option of trying to reclaim whatever they pay out from the driver (or the policyholder, if the policyholder allowed the uninsured person to drive) but that only works if the driver has enough money or other assets to pay. They may not, especially if it's a large claim. 

So it's possible, at least in theory, that Admiral could indeed end up liable for this incident. 

KKLLEERR

I wish I hadn't bothered asking this question now.  The answers seem to have gone off on a tangent about uninsured drivers not named on the policy.  That is not the case.   My car was not involved in an accident and I did not loan it to anyone   This is an erroneous claim where somehow the registration of my car has been mixed up with another car which was involved in an accident I know nothing about.   I was seeking only to find out if there was anything I could do to resolve the problem before my renewal date.  

oscarward

Have admiral asked to examine your vehicle? I would push for that to support you

KKLLEERR

oscarward said:

Have admiral asked to examine your vehicle? I would push for that to support you

That's a practical suggestion.  thank you.