bike insurance: problem with claim (advice required)

lisyloo

They provided a hire bike and persued personal injury claim without having either comprehensive cover or legal expenses insurance.

Are you sure it was Bennets insurers themsleves that did this?
My suspicion is that another no-win, no-fee type company were involved in this.

Perhaps this might explain the differences of opinion.
Insurers do not usually go after uninsured losses but they might have a associated company that they pass it on to. Perhaps it might be such a "seamless" service that you weren't aware it was a different company.

An explanation perhaps?

Quentin

Tight_Old_Git wrote: »

I think I am in a better position to comment on what they do or don't claim to do than a person who read something on a website.

The website I quoted this from is theirs! As posted, they do charge £26 for legal expenses insurance as an add-on, and offer the quoted advice:

Whatever level of insurance cover, Third Party Only, Third Party Fire & Theft or Comprehensive, you will need protection against potential uninsured losses that can result from even a minor accident. You might have to pay an excess on your policy.................

As lisyloo suggested, there will be a different explanation for the service you have received than it being their standard offering to anyone making a claim.

With the claims you describe, a claims handling firm would happily pay a commission to be instructed to take them on!!