why are my insurers so keep to get in touch?

before_hollywood

basically my insurers have rung me asking to ring them on a number that is only open monday to friday 9-5 (really convenient :rolleyes: ) wanting to discuss a claim i made in feb!

what happened was i was hit from behind in my car, non fault, got a hire car and was told other insurers would pay everything,protected ncb and fully comp so i wouldn't have to pay a penny, got a letter a week afterwards saying they hadn't heard from the other insurers, this was normal and they would give them 14 days (?) to allow the other party to inform his insurers, i heard nothing more since, now they ring me and won't leave details why, its difficult for me to find time to phone them, does anyone know what they would want after all this time?

Steve1981

its only been a few months, claims as simple as this can drag on for ages sometimes, they may want to see if they can push you down the personal injury route? They might need to send you a cheque and want to clarify details? It may be a customer service call to see if you were happy with the service you provided? Or most likley is that the third party insurer has been contacted and their driver has denied all knowledge of the event, in which case your insurance company has paid you out and they will be wanting an excess off you (if you havent paid it already). Of course it might be none of the above.
I'd suggest that if you can find the time in your busy day to post of this site, then you can find the time to phone them.

In fact you could have phoned them, INSTEAD of posting, that way you would have got an answer and not needed to post, this way you are just making more work to cram into your life.

Pefect Planning Prevents Poor Performance and all that

Quentin

At first sight, this seems harsh on poor before hollywood.

Advising that if he can find time to post here he should ring his insurers instead (his insurers wouldn't be around at 11.00pm when he managed to find a bit of time to post here).

BUT..... then we discover that around 2.00 pm yesterday he took part in a fascinating discussion in the moneysavers arms on online dating, posting 3 times between 2.00 pm and 2.30 pm! (Just when his insurers were back from lunch and ready to speak to him!)

Here's a sample of his contribution:

oh great theres the voices in my head and you lot as well?

Clearly much better use of his precious time than responding to the not unreasonable request from his insurer. Or is there some reason he'd prefer not to speak to them???

before_hollywood

i have a perfectly logical explanation- was posting from work and did not have the number with me.

anyway other party has not informed his insurers of the accident after 2 and a half months and the reason the people who want to speak to me are only in 9-5 is because they are in a 'recovery' department, he owes his insurers excess cos it was his fault and hasn't paid or reported anything :eek:

nobody expects the spanish inquisition :eek:

Oscar_The_Grouch

Hollywood, I work for an insurance company and my office hours are allegedly 9-5. Part of my role requires me to visit suppliers and loss adjusters, so I spend many nights away from my family in hotel rooms. Invariably I end up turning on my laptop and carrying on working well into the evening. What I am trying to say is that just because the phones are only on from 9-5 doesn't mean everyone has gone home, so spare a thought for those of us still working at this time.

Turning to your question of why they did not tell you what the call was about; I am sure that when you phoned in to them you were asked to confirm several facts such as your date of birth, address, etc. This is due to a well known piece of legislation known as the Data Protection Act.

Had your insurers phoned you and said "Hi, it's your insurers here. The other party have not notified their insurers and we wanted to give you an update" they would have been in breach of the Data Protection Act and FSA regulation and the handler even may have been personally liable for prosecution.

NU received a £1.4m (I think) fine from the FSA for failure to have systems and controlls in place to ensure compliance with the Act, amongst other things. Had they wanted to, they could have asked the DPA Registrar to bring charges on the individuals working for NU that failed to comply (yes the Act is that strict).

So thank you for your failure to care not only about the fact that people who work for insurance companies have homes to go to, but also for wanting them to break the law so that your life would be more convenient.

Selfish doesn't even begin to describe what I think about your posts.

before_hollywood

Oscar_The_Grouch wrote: »

Hollywood, I work for an insurance company and my office hours are allegedly 9-5. Part of my role requires me to visit suppliers and loss adjusters, so I spend many nights away from my family in hotel rooms. Invariably I end up turning on my laptop and carrying on working well into the evening. What I am trying to say is that just because the phones are only on from 9-5 doesn't mean everyone has gone home, so spare a thought for those of us still working at this time.

Turning to your question of why they did not tell you what the call was about; I am sure that when you phoned in to them you were asked to confirm several facts such as your date of birth, address, etc. This is due to a well known piece of legislation known as the Data Protection Act.

Had your insurers phoned you and said "Hi, it's your insurers here. The other party have not notified their insurers and we wanted to give you an update" they would have been in breach of the Data Protection Act and FSA regulation and the handler even may have been personally liable for prosecution.

NU received a £1.4m (I think) fine from the FSA for failure to have systems and controlls in place to ensure compliance with the Act, amongst other things. Had they wanted to, they could have asked the DPA Registrar to bring charges on the individuals working for NU that failed to comply (yes the Act is that strict).

So thank you for your failure to care not only about the fact that people who work for insurance companies have homes to go to, but also for wanting them to break the law so that your life would be more convenient.

Selfish doesn't even begin to describe what I think about your posts.

mate i think you have got totally the wrong end of the stick about me to be honest. i work in technical services and don't work 9-5 (the number of times i have been in my building well before the sun has risen or left in pitch black isn't worth going into), one thing that hasn't been noted on this thread is that the accident was caused by the other party and my car was run into the back of, my frustration at the situation is aimed at him, he has caused this situation, not me or the insurers or anyone else.

as it stood i had to phone 3 different places only to be given another number and someone else to speak to, i couldn't discuss that in the middle of work for various reasons, its a noisy technical building and phonecalls in non work areas are difficult, verging on impossible.

with regards to this thread my personal business and posts elsewhere on the site have been raked up by others, you have not done this so i will in no way imply you have or would do so but my 2nd post on this thread is sharp for this very reason, the majority of my posting is done in the arms and on the mobile phones board, what this is of anyone elses business i don't know and care even less.

as it stands my insurers have stood by their original point, there is 0% blame on my part and they have stated this, i just find it unfortunate that an insured driver can have so little regard for anyone else, anyone who reads this thread and views me as selfish i will ask 1 question

'how would you feel if £600 damage was caused to your car in an accident that was not your fault and after nearly 3 months it was still dragging on because the other party won't report it or give his insurers an account of what happened?'

Steve1981

ok maybe i was a bit harsh in the first place

before_hollywood wrote: »

:eek:

nobody expects the spanish inquisition :eek:

You should ALWAYS expect the spanish inquisition

Oscar_The_Grouch

I was involved in an accident with a third party who did not notify their insurers. My insurers were unable to recover the costs because the third party had been arrested for an unrelated crime and by the time they were in a position to issue proceedings, he was in prison. They did not feel it appropriate to pursue the matter further; a point that I was willing to accept and be grateful for the fact that my car was repaired with a net cost to me of only £150 - my excess at the time.

Looking at insurance from both sides of the fence; as insurer and insured, I appreciate both points of view. It's not always fair and frustration will creep in when there are perceived or actual delays. The thing to remember is that the voice on the other end of the phone is an actual person, with feelings and their own worries or concerns.

You pay your insurance company for a service and if you find that they do not perform, change insurers.

You mention that you do not work 9-5 yourself, just like the rest of us, but the first point in your initial post was that your insurance company working 9-5 is not convenient for you. I for one would not want to be in a position of having to work the night shift; I hope you feel the same.

Steve1981

Oscar_The_Grouch wrote: »

I was involved in an accident with a third party who did not notify their insurers. My insurers were unable to recover the costs because the third party had been arrested for an unrelated crime and by the time they were in a position to issue proceedings, he was in prison. They did not feel it appropriate to pursue the matter further; a point that I was willing to accept and be grateful for the fact that my car was repaired with a net cost to me of only £150 - my excess at the time.

Looking at insurance from both sides of the fence; as insurer and insured, I appreciate both points of view. It's not always fair and frustration will creep in when there are perceived or actual delays. The thing to remember is that the voice on the other end of the phone is an actual person, with feelings and their own worries or concerns.

You pay your insurance company for a service and if you find that they do not perform, change insurers.

You mention that you do not work 9-5 yourself, just like the rest of us, but the first point in your initial post was that your insurance company working 9-5 is not convenient for you. I for one would not want to be in a position of having to work the night shift; I hope you feel the same.

looking at your location there is a possibility that you and I 'may' work for the same company?

Oscar_The_Grouch

Possibly Steve, but not sure. Will pm you.