Forced 50/50 liability car insurance claim.

ManxManc_1

Been with very reputable car insurance company for nearly 20 years 
Never claimed no points on licence no criminal driving convictions fines, nothing 
Got hit on a rounderbout i use several times a day... by a driver who only just passed his test few weeks prior, in his girlfriends car n lived 35 miles from my townhad no clue where he was. I got us to safety ect ect 
I told insurance company under no circumstances will I accept 50 50 from the very beginning 6 months ago car not even fixed yet.... the utter incompetence and unprofessional service i have recieved is crazy.... 
I have legal knowledge and 10 years experience and told them this also when things started to concern me.... in their first response to my 8 page letter I received numerous sorrys and apologies and £350 by way of apology. I wrote back with more concerns, to which I got more sorrys and a further £150.00 but in the reply they ommited lots of points of concern of mine and made me reply This was tonight. In a quick rather sharp reply to which I apologised for my manner but I said "im at my witts end" iv asked for my whole file and TPI correspondence 4 times. Ignored. 
My policy renewal quote went from £59 a month with business insurance too to £170.00 lost all my no claims down to 3... they have been appalling... to a loyal customer over 20 years probably had about £20k out of me over the years. I used to always recommend them now they are just embarrassing. I have put a final offer on the table in my email. Before ombudsman. Oh and they were quite happy to just let me go forcing me to get another insurance company £69.00 - what's that about....  Does anyone have any experience of this sort of thing....   
Misrepresentation
Incompetence
Unprofessional
Breach of contract 
Loss of business image to a delivery car 
Inconvenience
Stress
Financial worry 
Withholding valuable legal information 
Fraudulent claim TPI 
Pretty boring stuff but any advice. 
Ta like

35har1old

ManxManc_1 said:

Been with very reputable car insurance company for nearly 20 years 
Never claimed no points on licence no criminal driving convictions fines, nothing 
Got hit on a rounderbout i use several times a day... by a driver who only just passed his test few weeks prior, in his girlfriends car n lived 35 miles from my townhad no clue where he was. I got us to safety ect ect 
I told insurance company under no circumstances will I accept 50 50 from the very beginning 6 months ago car not even fixed yet.... the utter incompetence and unprofessional service i have recieved is crazy.... 
I have legal knowledge and 10 years experience and told them this also when things started to concern me.... in their first response to my 8 page letter I received numerous sorrys and apologies and £350 by way of apology. I wrote back with more concerns, to which I got more sorrys and a further £150.00 but in the reply they ommited lots of points of concern of mine and made me reply This was tonight. In a quick rather sharp reply to which I apologised for my manner but I said "im at my witts end" iv asked for my whole file and TPI correspondence 4 times. Ignored. 
My policy renewal quote went from £59 a month with business insurance too to £170.00 lost all my no claims down to 3... they have been appalling... to a loyal customer over 20 years probably had about £20k out of me over the years. I used to always recommend them now they are just embarrassing. I have put a final offer on the table in my email. Before ombudsman. Oh and they were quite happy to just let me go forcing me to get another insurance company £69.00 - what's that about....  Does anyone have any experience of this sort of thing....   
Misrepresentation
Incompetence
Unprofessional
Breach of contract 
Loss of business image to a delivery car 
Inconvenience
Stress
Financial worry 
Withholding valuable legal information 
Fraudulent claim TPI 
Pretty boring stuff but any advice. 
Ta like

If it goes to court the judge could rule 50 50 especially if it's a Friday afternoon 
Can you not have protected no claims with business insurance?

Aretnap

The insurer has the right to settle the claim as they see fit - it's their money, not yours which they are handing over to the third party if they settle 50-50 after all. You agree to this when you take out the policy. So telling them from the beginning that you won't accept a 50-50 settlement is neither here nor there - you might as well tell them that you won't accept the sun setting at the end of the day. 

Beyond that it isn't really possible to offer you much help because desire the lengthy post you don't actually say what happened or exactly what you think they've done wrong.

dunstonh

Got hit on a rounderbout

That is the key bit of text in your post.

The vast majority of roundabout claims are settled 50/50.

Never claimed no points on licence no criminal driving convictions fines, nothing 
<snip>

by a driver who only just passed his test few weeks prior, in his girlfriends car n lived 35 miles from my townhad no clue where he was.

You present yourself as the safer driver and the other party is the weaker driver.  However, it is meaningless.  You could be driving with complacency and bad habits, and the new driver could be driving more cautiously.  Lots of different pictures can be painted but yours and the other party's driving history doesn't come into it.

I have put a final offer on the table in my email. Before ombudsman.

The FOS will not investigate the accident and decide who is responsible.   They will just look to see if the insurer has acted correctly.

Oh and they were quite happy to just let me go forcing me to get another insurance company £69.00 - what's that about...

You are not that important that they are going to cry over you leaving them. 

 Does anyone have any experience of this sort of thing....   

You don't state your opinion on what happened.   You don't state if you have camera coverage.    All we can say is that the vast majority of roundabout claims end up being settled 50/50 due to lack of evidence that sufficiently places the blame with one party or the other.