Car Insurance Advice Help please?

CLwc71

Hello,
I was involved in a car accident on 25th December 2019. My handbrake failed as I got out of the car to scrape my windscreen it rolled back throwing me to the ground (as the drivers door was still open) hitting a parked car before coming to a stop. My car was taken by my insurer for repair on 26th December 2019. 

As of today’s date 15th June 2020 my car has still not been repaired and I do not have it in my possession. The car missed it’s annual pre-paid service and MOT with Hyundai at the end of February and it is SORN?d. This is now subject to a formal complaint with the Financial Ombudsman but I’m having to wait up to 2 months for one of their investigators to take up the case.

I have received a renewal quote from my insurer and they’ve given me a nominal reduction of about £80 (my car insurance expires at the end of June) and they have advised me to seek other quotes. 

I would appreciate some advice on how I can get comparable quotes when my car doesn’t have an MOT, still in repair with my current insurer and I have not seen it since 25th December 2019 to give comments to its condition.

On the 26th June my car would have been with my Car Insurer for 6 months for repair. I was told last Wednesday that my car would be ready on Thursday and nearly a week later I have heard nothing - no reply to my chasing email. 

I cannot tell you how stressful this process has been. 

Any advice re getting an alternative quote  under these circumstances would be appreciated. 

Caroline

MovingForwards

I would appreciate some advice on how I can get comparable quotes when my car doesn’t have an MOT, still in repair with my current insurer and I have not seen it since 25th December 2019 to give comments to its condition.
--- none of this is relevant for insurance, you don't need an MOT to have a car insured.

Regarding the rest. Have you lodged a complaint with your insurance company that the repairs haven't been completed between December and before Covid ground everything to a halt?
If so, what was their response?
If not, you should have put it through their internal complaints procedure before taking it to the ombudsman.

CLwc71

MovingForwards thank you very much for your reply. 

It is reassuring to know that I can approach insurers without a current MOT. I also assumed they’d want assurances about my car’s current condition
/ state of
repair.

I have been through my insurers internal complaints procedure which is now why I am at the Financial Ombudsman level.

Their final response was very brief. That their recommended repairer couldn’t have known there was a problem with the loom but they acknowledged poor communication and offered £200 compensation. I was given another date for completion of the repair for last Thursday 11th June, but this has also been missed and now response so far to my follow-up email.

Thank you again.