I was trying to work out what was in it for the insurers, given they are my insurers. So potentially it puts up my premium and they make more money out of me in the long run??

Speak to your insurance company legal department.

The under writers are suggesting your mother and wife commit fraud.

All very dodgy. Regards Peter

From what has been posted above this looks like your Insurance company has received correspondance from the third party or the third party's solicitor. I would think the call was genuine from your insurance company. You can prove this by ringing your insurance company and quoting your claim number ask if an additional third party claim has been made.

Assume yes, the likely scenario is the TP got a call from an ambulance chaser, sorry solicitor. Then put a claim in for personal injury to your insurance Co. They have then contacted you regarding the same.

Do you know the TP, and what claim is being made ? There will be a medical report comissioned by the TP solicitor. What does this state ? If it says for example the TP cannot run for a bus and they are seen doing a local 10k fun run for example, well you can work the rest out !

Edited by Cris_on_the_gas on 13/01/2017 at 15:59

Lets look at this from perspective of OP's insurer/underwriter and assume it's true that 3rd party in that accident is claiming for personal injury.

They will want to minimise their payout. Third party will probably get what some sort of spreadsheet says is appropriate for his injuries. Even that may be too much. There is no 'pot' from which, lottery fashion, the winner takes all.

Your caller was no more in underwriter's office than guy who called me last year about my 'accident' worked for, as he stated, the Ministry of Justice. He rang off smartly when I asked him if Ursula Brennan was still the Perm Sec.

Call your insurer on the number on your policy and let them know what's going on.

Edited by Bromptonaut on 13/01/2017 at 21:00

Dear me, will the last honest person to leave the country please turn the lights out, these low life's deserve nothing other then cold darkness and hunger.

I doubt any claim has come in from the third party at all, this sounds like something has crawled out from under it's rock and hopes they can con your passengers into making a claim against you, using the rip of mob on the phone of course, to grab that pot before someone else who doesn't exist does, its a must buy today or quickly sales con, nothing else.

I used to get just the same vague lies when certain mobile phone sales bods would ring me around the time my mobile contract was up for renewal, they tried to make out it was Orange themselves on the line, i would play them along giving me the standard deal, then asked them specifics about the extra thousands of minutes i had on my far from standard contract (cos i've been with Orange virtually since they started up), of course they couldn't answer this because it wasn't Orange calling at all and they would finally have to admit it, yes silly i know but if i was on a 3 hour drive it was quite enjoyable wasting half an hour of their day and phone costs.

The calls no longer happens, presumably my mobile number is listed in the don't bother with this idiot category.

OP if they do call back it might be amusing, if you have nothing better to do, than to string them along for as long as possible wasting as much of their time paperwork and admin as you can manage, if you act eager to be in on the £6k cash going begging, helpfully enlisting your wife acting the right part if she's with you during the call, i bet you can get an hour of their day and possibly one or more return calls before they twig it.

Edited by gordonbennet on 14/01/2017 at 08:41