Insurance to be cancelled due to open claim

Mcsuze

I was in a non-fault accident 7 weeks ago. The third party admitted liability, my excess was waived, I had a credit hire vehicle charged directly to their insurance company until my vehicle was repaired. I've arranged insurance on a second vehicle and informed them that I had a non fault claim.

They've now contacted me four times to say that CUE shows my claim as a fault claim (because its recent and still open) and I needed to send proof. I've now sent this twice to show it is non-fault. They're now threatening to cancel the policy.

 It's very difficult to get their offshore call center staff to understand. They're now saying I have to get my insurer to close the open claim, which they won't do until invoices are paid and costs are recovered! Am I better cancelling this myself and going elsewhere to save having to declare that I've had insurance cancelled? 

Thank you

Mcsuze

I was in a non-fault accident 7 weeks ago. The third party admitted liability, my excess was waived, I had a credit hire vehicle charged directly to their insurance company until my vehicle was repaired. I've arranged insurance on a second vehicle and informed them that I had a non fault claim.

They've now contacted me four times to say that CUE shows my claim as a fault claim (because its recent and still open) and I needed to send proof. I've now sent this twice to show it is non-fault. They're now threatening to cancel the policy.

 It's very difficult to get their offshore call center staff to understand. They're now saying I have to get my insurer to close the open claim, which they won't do until invoices are paid and costs are recovered! Am I better cancelling this myself and going elsewhere to save having to declare that I've had insurance cancelled? 

Thank you

sheramber

I think it is considered an at fault claim until the claim is closed.- doesn't mean you are at fault,  it means the insurance company are liable until thid party insurance pay up-

It is charged as at fault claim but usually reviewed when claim settled.

DullGreyGuy

Mcsuze said:

I was in a non-fault accident 7 weeks ago. The third party admitted liability, my excess was waived, I had a credit hire vehicle charged directly to their insurance company until my vehicle was repaired. I've arranged insurance on a second vehicle and informed them that I had a non fault claim.

They've now contacted me four times to say that CUE shows my claim as a fault claim (because its recent and still open) and I needed to send proof. I've now sent this twice to show it is non-fault. They're now threatening to cancel the policy.

 It's very difficult to get their offshore call center staff to understand. They're now saying I have to get my insurer to close the open claim, which they won't do until invoices are paid and costs are recovered! Am I better cancelling this myself and going elsewhere to save having to declare that I've had insurance cancelled? 

Have they said its open and therefore is noted as fault or that its actually being reported as open and at fault?

You are much better off cancelling the policy yourself than have them cancel it for non-disclosure which is something you'd have to declare forever more with most insurers. Have you asked them about rerating the policy as a fault claim and then readjusting it back when it's closed?

Back in my day our system did allow us to have a non-fault open claim but it was a faff to do, certainly internally our systems would recognise it as such for renewal quotes etc. I can't say how it reported to CUE though and it certainly is the norm that an open claim is seen as a fault claim therefore even if it was flagged as non-fault some may not consider it such because of it being open.

Mcsuze

Ooh no I haven't asked them to re-rate, but I need to call them so ill find out. The new policy is due to come into force on Thursday 22nd May, so it hasn't started yet. 

They said the claim is open, so shows as fault on CUE. Despite me providing the proof they requested, they're now saying they can't proceed unless I get the claim closed by my insurer. I only got my vehicle back from repair last week, so I'm guessing we're a long way off the claim being closed.

Thank you for your reply, much appreciated. 

DullGreyGuy

Reported as duplicate thread

Okell

Mcsuze said:

... I've arranged insurance on a second vehicle and informed them that I had a non fault claim...

Until the first insurance company notified you that the claim had been closed, shouldn't you have told the second insurance company that the first claim was open rather than non-fault?

If you have an open claim with one company and you try to get insurance with a second company before the first claim is closed, it opens up a whole can of worms and is best avoided.

Can't you cancel the insurance with the second company before they cancel it, and insure the second car with the first company?  If the first claim is eventually closed as non-fault you should get any additional premiums back.  Or at least that is my understanding...

soolin

sorry for any confusion, 2 identical threads have been merged. 

Arunmor

It is best to remain with your current insurer in year of having a claim for all the reasons you have found.

Mcsuze

It's a policy on a different vehicle, so ill have two separate policies. My current insurer won't include my child with their provisional licence so I've had to look elsewhere. The question when I took out he policy was whether I'd had any claims in the last 5 years. I answered this honestly and provided the information requested. It's entirely a non fault claim, which my insurers have provided two separate documents to substantiate. 

Thanks all for your input. If they can't recalculate, I'll cancel and speak to an alternative insurer to see if this would be an issue. Their emails continually state that i  have given inaccurate information and threaten cancellation, but when I do what they ask it's not sufficient. 

I appreciate all your help. Thank you

Jumblebumble

Mcsuze said:

I was in a non-fault accident 7 weeks ago. The third party admitted liability, my excess was waived, I had a credit hire vehicle charged directly to their insurance company until my vehicle was repaired. I've arranged insurance on a second vehicle and informed them that I had a non fault claim.

They've now contacted me four times to say that CUE shows my claim as a fault claim (because its recent and still open) and I needed to send proof. I've now sent this twice to show it is non-fault. They're now threatening to cancel the policy.

 It's very difficult to get their offshore call center staff to understand. They're now saying I have to get my insurer to close the open claim, which they won't do until invoices are paid and costs are recovered! Am I better cancelling this myself and going elsewhere to save having to declare that I've had insurance cancelled? 

Thank you

I would raise a complaint
This will mean that someone who understands their obligation to treat customers fairly will look at it rather than someone who just reads off a script which apparantly thinks a claim cannot be both open and non fault at the same time