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- Super Spammer
Joined: 22 Oct 2013 Karma :
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Posted: 13:00 - 22 Dec 2017 Post subject: Insurers trebling policy over unproven open claim case. |
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More Insurance woes.
So I got my renewal through for car insurance from Admiral. £217 last year, £598 this year. Looking at the document they've listed a claim against me, even though the claim is being detested and unproven.
The claim relates to an open case of obvious fraud from June last year, which the insurers agree with me and are fighting the claim. We have a fair bit of evidence and the engineers report agrees that there was no damage, ergo no contact, ergo no multiple cases of whiplash. I didn't even see anyone actually in the car I'm alleged to have nudged, parallel parking on parking sensors. My sensors didn't even get to a slid beep, so I'm unlikely to have got within 10cm of the car.
The insurance firm don't want to know and wont help over the phone, so I've sent an email explaining my grievances. The Financial Conduct Authority wont answer my questions and just told me to speak to my insurer, so I wondered if anyone on here knew if this is how things work?
Firstly, if I stump up the extra £400 for the increased policy price due to a claim which has not yet happened, should I win the case, the insurer over the phone would not commit to saying I would be refunded for this massive price hike. So I appear to have to pay the increase whether I have a claim against me or not.
Secondly and most importantly, if I go elsewhere, I get quotes of £240, instead of the £598, without declaring a claim.
So, as there is not successful claim against me so far, do I have to declare an ongoing claim to new insurers now or just when/if it is ever successfully scammed against me?
Thirdly, if I did change insurer, does this mean Admiral are no longer liable to fight this case for me and either I'll have to fight it personally or just suck up the scamming shits and get hit to the tune of around an extra £1000 a year in insurance hikes for car, campervan and bikes, thanks to something I didn't do and let the poor English speaking scamming shits get away with it? ____________________ TZR250 2MA road, TZR250 1KT road, TZR250 2MA race, TDR250, YZF-750R Boost colours.
Jaguar S Type 3.0 V6 Sport R, VW Transporter T5 GP LWB Shuttle 140ps DSG. |
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Pete. |
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Pete. Super Spammer
Joined: 22 Aug 2006 Karma :
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Posted: 13:13 - 22 Dec 2017 Post subject: |
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You have to declare the unsettled claim no matter what. If it's in dispute it defaults to a 'fault claim' circumstance until it's resolved.
Whatever you get loaded for the outstanding claim you'll get back. I did last year in fact I got them to tell me how much I would get back before I took the renewal.
Admiral can't get out of it no matter who you insured with next year. They are the ones indemnifying you for the time of the 'incident'. ____________________ a.k.a 'Geri'
132.9mph off and walked away. Gear is good, gear is good, gear is very very good |
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- Super Spammer
Joined: 22 Oct 2013 Karma :
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Posted: 13:24 - 22 Dec 2017 Post subject: |
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Pete. wrote: | You have to declare the unsettled claim no matter what. If it's in dispute it defaults to a 'fault claim' circumstance until it's resolved.
Whatever you get loaded for the outstanding claim you'll get back. I did last year in fact I got them to tell me how much I would get back before I took the renewal.
Admiral can't get out of it no matter who you insured with next year. They are the ones indemnifying you for the time of the 'incident'. |
Cheers, some good info there. Still sucks though, that I'm being treated as guilty for something I didn't do.
As a matter of interest, I redid the confused.com quote with an unsettled claim added, using the value Admiral are guessing (£1200), plus stating that people were injured as they are claiming this, even though there was no contact and nobody was even in the car.
The prices coming up are actually surprisingly low. Hastings Direct is just over £250, so not that bad.
What I don't get is that Admiral have been fine about this open case for the last 6 months, even though they knew about it, yet only whack on the extra at renewal time. If it is worthy of loading the premium even whilst it's being contested, why did they not try to load my policy over the six months since the claim started? ____________________ TZR250 2MA road, TZR250 1KT road, TZR250 2MA race, TDR250, YZF-750R Boost colours.
Jaguar S Type 3.0 V6 Sport R, VW Transporter T5 GP LWB Shuttle 140ps DSG. |
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stinkwheel |
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stinkwheel Bovine Proctologist
Joined: 12 Jul 2004 Karma :
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M.C |
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M.C Super Spammer
Joined: 29 Sep 2015 Karma :
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Posted: 15:06 - 22 Dec 2017 Post subject: |
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Not saying you should, but I declared my open claim as non-fault before it was settled (and it actually went split liability ), I got away with it because I didn't claim again*. Anecdotally insurers seem to be getting hotter on past claims etc. so I probably wouldn't do it again.
*although I did have an oppsy with a van |
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Nobby the Bastard |
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Nobby the Bastard Harley Gaydar
Joined: 16 Aug 2013 Karma :
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- Super Spammer
Joined: 22 Oct 2013 Karma :
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Posted: 15:31 - 22 Dec 2017 Post subject: |
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stinkwheel wrote: | mpd72 wrote: |
What I don't get is that Admiral have been fine about this open case for the last 6 months, even though they knew about it, yet only whack on the extra at renewal time. If it is worthy of loading the premium even whilst it's being contested, why did they not try to load my policy over the six months since the claim started? |
Because you bought that policy in its entirety last December as a 12 month policy. Even if you're paying monthly, it's a kind of credit agreement, the broker purchased the 12 month policy on your behalf and you're effectively repaying that loan on a monthly basis (with interest). |
True, but if I had a claim mid term, I'd have to inform them immediately, not at renewal time and would face an uplift in price. Seemingly here, they're uplifting a 12 month policy on something which hasn't even happened yet, from the word go. ____________________ TZR250 2MA road, TZR250 1KT road, TZR250 2MA race, TDR250, YZF-750R Boost colours.
Jaguar S Type 3.0 V6 Sport R, VW Transporter T5 GP LWB Shuttle 140ps DSG. |
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Jewlio Rides Again LLB |
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Jewlio Rides Again LLB World Chat Champion
Joined: 06 Oct 2015 Karma :
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Posted: 15:34 - 22 Dec 2017 Post subject: Re: Insurers trebling policy over unproven open claim case. |
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- Super Spammer
Joined: 22 Oct 2013 Karma :
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Posted: 15:37 - 22 Dec 2017 Post subject: |
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Nobby the Bastard wrote: | What you do is you claim against the OP's insurance company for pursuing you over a clear case of attempted fraud and thus causing you additional costs on your own insurance at the small claims court |
My insurer flatly refused to help me counter claim against the scammers, so I'd have to be doing this off my own back and at my own expense.
As reluctant and I am, I've just had to put it down to experience that many immigrants are lying, cheating bastards.
The system does seem heavily weighted towards the scammers and win, lose or draw, the victim loses out in time, stress and money, where as the scammer either gets a big payout or walks away no worse off. ____________________ TZR250 2MA road, TZR250 1KT road, TZR250 2MA race, TDR250, YZF-750R Boost colours.
Jaguar S Type 3.0 V6 Sport R, VW Transporter T5 GP LWB Shuttle 140ps DSG. |
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M.C |
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M.C Super Spammer
Joined: 29 Sep 2015 Karma :
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- Super Spammer
Joined: 22 Oct 2013 Karma :
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Posted: 17:35 - 22 Dec 2017 Post subject: |
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M.C wrote: | mpd72 wrote: | The system does seem heavily weighted towards the scammers |
Insurers are complicit. Are the people you 'crashed' into driving around in a Range Rover Sport, or was it just their necks that were broken? |
Volvo V60 or V40 from memory.
Considering I didn't feel any contact, there is no damage to either car and my parking sensors didn't even get to solid beep pattern, the chances of them not trying to pull a scam is zero.
Even if there had been contact, at the speed I was manoeuvring in listening to the sensors, (which only work if you creep in anyway), there is sod all chance of personal injury.
They are also trying to claim for damage to the car, I believe of a small dent on the top of the bonnet. I took photo's of both cars and his alleged "damage", with a long cardboard box up against them to show the height and depth into the bonnet was impossible for another vehicle to have caused it. He kept ignoring me and referring to his witnesses.
For me to have caused the dent, my bumper would need to have gone over a foot into his engine bay.
I'll probably get shafted here for doing nothing wrong. ____________________ TZR250 2MA road, TZR250 1KT road, TZR250 2MA race, TDR250, YZF-750R Boost colours.
Jaguar S Type 3.0 V6 Sport R, VW Transporter T5 GP LWB Shuttle 140ps DSG. |
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stinkwheel |
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stinkwheel Bovine Proctologist
Joined: 12 Jul 2004 Karma :
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Raffles |
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Raffles World Chat Champion
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Nobby the Bastard |
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Nobby the Bastard Harley Gaydar
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M.C |
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M.C Super Spammer
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Pete. |
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Pete. Super Spammer
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UnknownStuntm... |
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UnknownStuntm... World Chat Champion
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Nobby the Bastard |
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Nobby the Bastard Harley Gaydar
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- Super Spammer
Joined: 22 Oct 2013 Karma :
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Posted: 00:05 - 27 Dec 2017 Post subject: |
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UnknownStuntman wrote: | Fuck me this is testing.
Either you crashed your car into someone elses or you didn't. Never mind any bollocks from a parking sensors' beeping circuit - did you hit the car or not?
If no, say that and nothing else to the insurer and get anyone who says otherwise to prove it. And that means not just 'here's a dent at the right height and size of your vehicle'. That means show me a video of it happening.
This is why insurance is off the reigns at the mo, people can't just say what they did or didn't do.
It's blatantly too late for any schtummness in this case now, I know, but ffs in future say what you need to and nothing else. |
If only it worked like that, when the poor Ingrish speaker produces 2 more non Ingrish speakers as witnesses.
It’s clear Bullshit, but I get fecked over eventually if I fight it or not. ____________________ TZR250 2MA road, TZR250 1KT road, TZR250 2MA race, TDR250, YZF-750R Boost colours.
Jaguar S Type 3.0 V6 Sport R, VW Transporter T5 GP LWB Shuttle 140ps DSG.
Last edited by - on 12:53 - 27 Dec 2017; edited 1 time in total |
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M.C Super Spammer
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Jewlio Rides Again LLB |
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Jewlio Rides Again LLB World Chat Champion
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- Super Spammer
Joined: 22 Oct 2013 Karma :
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Posted: 12:58 - 27 Dec 2017 Post subject: |
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UnknownStuntman wrote: | mpd72 wrote: | but I get fecked over evidentially |
If you mean that word, then what evidence are you referring to? Has someone got proof you did it? If not, all of the above. |
Predictive text. *Eventually*.
What annoys me here, is I did nothing wrong yet am being screwed whether I fight the case or bend over and get scammed.
It felt so planned and organised that I asked the insurer to check his claim history.
Googling his name only throws up hits for Nepalese women. There's something very dodgy here, I just hope the insurer's solicitors pick up on it.
At the time I had no idea he was trying to pull off a multiple whiplash scam. I really thought he was just trying to screw me over a chip on his bonnet, way too high for a car's bumper to have caused. There was no other visible damage as confirmed by the engineers report. ____________________ TZR250 2MA road, TZR250 1KT road, TZR250 2MA race, TDR250, YZF-750R Boost colours.
Jaguar S Type 3.0 V6 Sport R, VW Transporter T5 GP LWB Shuttle 140ps DSG. |
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sickpup |
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sickpup Old Timer
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- Super Spammer
Joined: 22 Oct 2013 Karma :
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Old Thread Alert!
The last post was made 6 years, 122 days ago. Instead of replying here, would creating a new thread be more useful? |
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