Car Insurance claim - waiting for police report/insurance company to act

mrlav

Hello, I hope you're all safe and well.
I returned from holiday to find someone had crashed into the back of my parked car.  Luckily the police had been involved as they left a calling card under the windscreen wiper of my car.
After calling the police numerous times to get further details they eventually gave me an incident number and advised me to pass this on to my insurance company, which I did.
That was over 3 months ago.  Using the incident number the police provided my insurance company has requested all information from the police but said it can take a while.
However, my insurance company has also advised me to make the claim in my name as they can't keep in open indefinitely while waiting for the police.  This now means I will lose my no claims, pay a £400 excess.

It seems entirely unfair - I wasn't even driving at the time! I know that's life, but wondered if anyone had been in a similar situation?


Thanks in advance

chrisw

How on earth does that show car insurance is a rip off? Surely it says more about the speed of the police responses. 

The insurance company can't know what details the police hold and whether the other driver was insured. When and if the police provide the details you will get your no claims and excess back. If they don't provide the details or the driver wasn't insured then you will lose your no claims and excess. That's how insurance works.

daveyjp

Once again the word 'rip off' used in a thread title for an issue which isn't a rip off.

Hasbeen

mrlav said:

Hello, I hope you're all safe and well.
I returned from holiday to find someone had crashed into the back of my parked car.  Luckily the police had been involved as they left a calling card under the windscreen wiper of my car.
After calling the police numerous times to get further details they eventually gave me an incident number and advised me to pass this on to my insurance company, which I did.
That was over 3 months ago.  Using the incident number the police provided my insurance company has requested all information from the police but said it can take a while.
However, my insurance company has also advised me to make the claim in my name as they can't keep in open indefinitely while waiting for the police.  This now means I will lose my no claims, pay a £400 excess.

It seems entirely unfair - I wasn't even driving at the time! I know that's life, but wondered if anyone had been in a similar situation?


Thanks in advance

Perhaps you should change your heading to something more truthful / accurate? Police inaction etc?

csgohan4

What can your insurers do about something out of their control? Baring in mind the world is in crisis now and I'm sure the police have more pressing matters

It is life, not everything happens as quick as we want, sadly this is not a rip off, more of a rant from you op

mrlav

Thanks for the feedback.  Fair enough I have updated the heading to be more accurate.
I called the police yesterday on the 101 number and they were as helpful as they could be.  The operator I spoke to advised me that insurance companies must pay for the police report but are quite often reluctant to do so.  They were unable to tell me if the insurance company had paid for the report yet.
So I went back to the insurance company to relay the above and they confirmed they hadn't yet paid for the report something about missing paperwork.  I'll probably follow up again next week with both parties.
Have a good weekend.

MovingForwards

Insurance companies can buy a full report or just the details of parties involved. Keep contacting your insurance company and consider lodging a complaint as it's been 3 months and no progress.