Direct Line Car Insurance

theako2k

Just a word of warning for anyone with Direct Line car insurance, don’t expect them to even investigate your claim unless you go hard at them, they just want to take the path of least resistance and settle every claim 50/50.

Last weekend a woman tried changing lanes on a dual carriageway clearly not realising I was alongside her and hit the side of my car, the front driver side headlight area making contact with the side of my car. She was stationary, stuck behind a bus and just inexplicably turned into my car, a clear case of her at fault you’d think as she’s clearly changed lanes when not safe to do so.

But no, these incompetent con artists somehow deduced that they think it should be settled 50/50 and have said that to the woman’s insurance company. No communication made with myself to clarify or to check I’m ok with that (I’m not!) they just did it by stealth and then just sent a cowardly text message at 8pm on Friday night that this was what they intended to do.

To make matters worst they text that ‘decision’ at literally the same time they emailed a supporting witness asking for a statement. Absolute irrefutable proof they don’t investigate claims if they can avoid it and just try and make their life as easy as possible for low value claims and don’t even wait for or consider the facts!

Obviously I’m not accepting this and have made a complaint, but I would suggest anyone with Direct Line needs to have a dash cam as they won’t fight your cause.

huckster

50/50 sound like a provisional decision only and then it depends on evidence such as third party witness statement.

tener369

I have been with direct line car insurance for more than 15 years . Everything will fine as long as you won’t deal any claims with them 

Recent experience and also had experience in the past when incident been reported , direct line never communicate back the decision of the claim happend to me back . I have communicated not taking liability when reported incident however without notifying me they took a decision to liable and add claim on me . Poor service of handle of claim . I will never buy from direct line insurance even if it cheaper . 

Till the renewal letter comes no communication about claim , when I raise complaint . Direct line saying below 
s, however on page 33 of your policy booklet, it states:
"We're entitled to do either of the following:
) Take over and carry out the negotiation, defence or settlement of any claim in your name, or in the name
of any other person covered by this policy.
) Start legal proceedings in your name, or in the name of any other person connected to this policy. This
can be for your benefit or our own benefit."



They took over claim and does not notify you . You must be very careful when dealing with with Direct line claim as they always try to put claim liability on you never try to take your opinion and does not give you to utilise motor legal

cw8825

tener369 said:

I have been with direct line car insurance for more than 15 years . Everything will fine as long as you won’t deal any claims with them 

Recent experience and also had experience in the past when incident been reported , direct line never communicate back the decision of the claim happend to me back . I have communicated not taking liability when reported incident however without notifying me they took a decision to liable and add claim on me . Poor service of handle of claim . I will never buy from direct line insurance even if it cheaper . 

Till the renewal letter comes no communication about claim , when I raise complaint . Direct line saying below 
s, however on page 33 of your policy booklet, it states:
"We're entitled to do either of the following:
) Take over and carry out the negotiation, defence or settlement of any claim in your name, or in the name
of any other person covered by this policy.
) Start legal proceedings in your name, or in the name of any other person connected to this policy. This
can be for your benefit or our own benefit."



They took over claim and does not notify you . You must be very careful when dealing with with Direct line claim as they always try to put claim liability on you never try to take your opinion and does not give you to utilise motor legal

It’s all going to come down to the circumstances and the cost of the claim

The myth that they will just settle 50/50 or accept fault is flat out wrong. 
they are a business. It wouldn’t be the best business decision to pay out to anyone who asks them for money. 

Also 50/50 or full fault has little impact on the renewal. They are both fault claims so unless it’s fully non fault it’s not worth pursuing that avenue. 

(Obviously claiming any excess back it does matter)