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Car insurance nightmare
Comments
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AdrianC said:tberry4118 said:AdrianC said:How long had you had it?
Ultimately...
https://www.financial-ombudsman.org.uk/businesses/complaints-deal/insurance/motor-insurance/vehicle-valuations-write-offs
You checked all the stamped VINs etc were all present and correct?I dont think I can go to the ombudsman until they have given me a decision.
Hence "ultimately". Right now, you don't have much choice but work with them.
They haven't denied my claim, they said they would be satisfied if I send them my phone bill which I did.
I dont know the process of an insurance claim but I can see this dragging on0 -
Thanks for everyone's comments, I appreciate it. I understand where the insurance company is coming from. They are a business and they have to investigate all avenues. I just wanted a bit of guidance, ive given them everything I possibly can and the police statement backs me up that the car was white when it was found. Im not worried about their suspicions because I have done nothing wrong. I just don't know at what point they will be satisfied. Such a long, mentally challenging process2
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OP, I think you've been unlucky here. But, from the insurers point of view, they are looking at a £15k ish pay-out on a vehicle where there is some confusion over the colour, raising red flags on whether there is a potential fraud etc. None of this is your fault from what you've said.
All this is going on during covid, which has had massive effects on staffing availability, people working at home, disjointed services, police are busy as well. I would suspect that during normal times this would have been resolved quicker, but we're not in normal times.
As someone previously mentioned, an unscrupulous person could easily buy a clapped out shed, set fire to it, and claim it was the golden oldie you owned. They don't know you, or know you wouldn't do that. As I said, I think you've been unlucky, but all you can do is be patient.2 -
Bigphil1474 said:OP, I think you've been unlucky here. But, from the insurers point of view, they are looking at a £15k ish pay-out on a vehicle where there is some confusion over the colour, raising red flags on whether there is a potential fraud etc. None of this is your fault from what you've said.
All this is going on during covid, which has had massive effects on staffing availability, people working at home, disjointed services, police are busy as well. I would suspect that during normal times this would have been resolved quicker, but we're not in normal times.
As someone previously mentioned, an unscrupulous person could easily buy a clapped out shed, set fire to it, and claim it was the golden oldie you owned. They don't know you, or know you wouldn't do that. As I said, I think you've been unlucky, but all you can do is be patient.1 -
Can't you apply for a copy of the police report and send it to them?
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Slinky said:Can't you apply for a copy of the police report and send it to them?0
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tberry4118 said:Slinky said:Can't you apply for a copy of the police report and send it to them?Remember the saying: if it looks too good to be true it almost certainly is.0
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jimjames said:tberry4118 said:Slinky said:Can't you apply for a copy of the police report and send it to them?1
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I've emailed my case handler twice in the past 2 weeks and I've had no reply, do I just leave them alone? I dont have a clue whats going on with my claim0
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I recieved a letter today saying in order for them to consider my claim, they need the police report. The fraud team have passed me back to my normal claims handler so I'm feeling a bit more positive1
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