Had a biker drive into the back of my freshly resprayed ERST2 in sept04 wen tthrough the usual claim gubbins only to be told there wasnt enough evidence to prove whos fault it was so the claim wasnt followed through anyway just got my renewal through £1500 right at the bottom of the letter it says my claim is still outstanding and my no claims is on hold

Rung them up today to be told basically theres nothing they can do and they will be reviewing my claim in jan07 also get told the other party wants it settled 70/30 in my favour which is odd

I just want this settled so i can insure the bleeding thing without having to sell a kidney, any one got any advice on this.
Is there a insurance company governing body i can ring to get advice

 

BTTT please help me

 

 

It seems that nowaday's insurance companies make quick agreements on a %age basis of fault - whether their client agrees with it or not. For example they don't seem to do knock for knock anymore, instead they total the cost of repairing all the damage to all parties (inc 3rd parties) then divid it by 50/50 to each party or whatever quick %age is agreed (in your case 70/30).

I know that this was clearly not your fault but the insurance companies do it because it means they never get into arguing with each other, its quicker than looking into the facts properly (hence saving legal costs etc), and on top both parties lose their NCB/or are marked 'at fault' so both end up paying higher premiums. Bastards eh .

I'm sure you could keep fighting this though, but as discussed above your insurance co will have little or no reasoning to do it for themselves - so you need to keep pushing them on this

 

BTW if all else fails threaten them with the financial ombudsman...
http://www.financial-ombudsman.org.u...complaints.htm


Or possibly the Assossication of British Insurers may help..
http://www.abi.org.uk/

 

Cheers mate