I think my insurer is trying to scam me
In April 2021 i was in a minor accident. Damage done to both cars. The other person was at fault; i did not put a claim in but stated i would be defending a claim against me which was required, as they put a claim in stating i was at fault.
I was confident submitting the dashcam footage, however to my shock my insurer disagreed. I then submitted 3 additional pieces of evidence. In total i submitted:
- Footage of the crash
- Footage driving back down that road, using the lane the other car as in to show where they SHOULD have gone
- An aerial view of the road with lines showing the road layout
- a text message from them denying ever being in the "Red" lane as they knew by being in that lane they would be liable, they did not know i had a dashcam showing them in the left lane when they stated this.
The next email a few days later stated "We have sent all your evidence off to the insurer and will let you know of the outcome, and if we will need to fight it in court" etc then i heard nothing for months.
On the 25th of November, 2021 15:30 i got this email:
We are writing to you about the car insurance policy you hold with us.
It has come to our attention that your Claim from 15/04/2021 has now been settled on your policy, due to this we have been able to re-instate your no claims bonus. You now have 7 years. We can confirm due to this a refund of £10.41 is due which we will attempt to credit to the card/account used to pay the majority of the premium.
So, great... Common sense prevailed case closed, my claim was set to "closed" and i heard nothing of it again...Until 2 days ago.
2 Days ago i get an email, simply saying:
This claim has now been closed. Your No Claims Bonus has been reduced in accordance with
the terms and conditions of your policy, as stated in your Policy Booklet.
Obviously confused, i contacted them (today...As that entire team apparently does not work on the weekend...They can send bad news emails but not take calls on a Saturday apparently...)
They stated i should have been informed that the case was reopened earlier this month (which i was not) and that they are now going for 50/50 blame yet again...On a case, closed...2 years ago.
When asked why this relic of the past has been brought back up they could not say, they had no new evidence no reasoning. They are now looking at slapping my no claims discount from 9 years to 3 out of the blue.
Furthermore, i checked my portal on Saturday, Sunday and this morning, the claim was still sitting under "Closed" as of 10:11am this morning, its only following this mornings call that they have now moved the claim back to "Open". Given that it was apparently reopened earlier this month, this seems very fishy...
I've been with them for 9 years. Not because i'm loyal, but because the renewal price has always been cheaper, same or so close that it wasn't worth switching, however now i'm paying the price for that.
I'm no conspiracy theorist, but only the insurance company benefit from slapping me with such a substantial NCD reduction, under the premise i will simply renew with them later (which i most certainly will not be now!)
To peel this onion of injustice...I am now potentially losing 6 years of no claims, from an accident that happened over 2 years ago and was officially "closed" by the insurance company 1 month shy of 2 years ago..Out of the blue due to it being reopened, without informing me for reasons that have not been given while my car sits outside still with tape on the wheel arch from an accident that was not my fault while there's is repaired, and their no claims protected. Ironic thing is, I'm the only one that didn't even make a claim.
I wont be taking this sitting down and wanted to know if anyone had any advice.
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