hi guys
i have serious problem here.
My car was stolen and after five days it been recovered. Now i have the trouble with insurance. They don't want repair my vehicle.
They said your car could have stolen before you took the policy, and secondly there is no theft damage, like not the window broken.
But the car has been damaged, it has a dent on the driver side door, and broken mirror, plus the clutch cable is broken. They want to return that vehicle with out repair and ask me to get that repair done and withdraw the claim.
I don't know what to do?
{some punctuation added to make the question easier to read and understand}
Edited by Dynamic Dave on 20/05/2009 at 19:50
|
When did you buy the car?
When did you insure the car?
What level cover do you have?
|
|
Does your police crime ref. pre-date the start of the insurance policy? If it does, then no pay out, if it's after the start of the policy, then it could be grey, but only if you are unsure about the date of the theft.
|
Does your police crime ref. pre-date the start of the insurance policy?
the police crime reff no. is after the insurance start date
yes i m unsure about the date of the theft.
that could have been any time between 13/03/09 to 04/04/09
|
|
|
|
When did you buy the car? 13/03/09
When did you insure the car? 2/4/09
What level cover do you have? third party fire and theft
|
reading the damage list doesnt make sense that the ins company should pay for them as they could be previous damage
dent
broken mirror
clutch cable
i think they are politely asking you to remove the claim to protect yourself in the bigger picture
did you get a crime number?
|
>When did you buy the car? 13/03/09
>When did you insure the car? 2/4/09
> unsure about the date of the theft. that could have been any time between 13/03/09 to 04/04/09
You have NO chance of getting this claim paid as you have admited (or cant disprove) that the date of theft could have been before the date of insurance.
Drop this now, before your insurer cancels your insurance, refuses to cover you, and flags your claim as fraudulent. Any of which will seriously load any future insurance costs you have, or even a refusal of all the major companies to insure you. (not just your car either)
|
|
|
did you get a crime number?
yes i got that and its the after my policy tart
|
|
But you do not know when it was stolen. Where was the car when it was un-insured. Regards Peter
|
I think you're pushing the boundaries of what would be considered a valid claim. A car left unused for 2-3 weeks (the date between car purchase & insurance cover start from your post..) may have suffered a dent & broken mirror from any number of causes, a clutch cable can go at any time, for any reason.
Logically, if you give a possible theft date over 3 weeks or so, it's more likely (from simple maths) to have been stolen before insurance cover, than after cover. That's how the insurance company will look at it.
|
|
So how do you not know when it was actually stolen? How was it stolen - with the keys or without?
|
actually when i bought it was parke up there the same place where it was stolen so i didn;t move cose i dont have the insurance at that time by the time i did insurance and went back to pick that car up that was there and that was bit away frome my house as well
|
So it wasnt parked at your house when it was uninsured..............
I assume it wasnt parked on a public highway, so where was it at the time of the aledged offence?
|
yes it was indeed pared on public road
|
In that case you've committed an offence by owning the car and keeping it on a public road but having no insurance.
I would take the advice of others and drop this claim now before they start digging too deeply, you can't prove that it was stolen whilst your insurance was in effect so basically, just take it on the chin and move on. You really don't want them to think that you are attempting to commit fraud, neither do you want the Police digging into the fact that you illegally kept the car on a public road with no insurance...
Don't forget to inform your next insurers of the incident though, it will now be logged in the MID database and even though you won't end up with a successful claim for this you may still need to declare it or else your future policies will be void if you need to claim on them.
|
hi every one thanks for given me such nice advices
i spoke to them our the phone they wasn't agreeing at all for getting my car fixed or any thing they gave me to choices either they can dispose my or i can have my car back now i had letter from then which as follow vechile
so that we continue with you claim, please forward the following documents.
* the original ar registration docs.
* the original mot certificate.
* a copy of drivers licence
* certificate of insurance
* any service history
* all remaining keys
* a photo of car (if available)
please insure that all docs are sent recorded delivery, as we will require replacement for any that are undelivered, which may be delay your claim. please include a written explanation for any that are required documents that you are unable to supply. you should keep the copies for your own records
If the car is not recovered your claim will be dealt with as full-loss such claim, your policy covers you for the market value of the car or if if lower the policy sum insured. we will refer to a number of motor trade vehicle guides at our disposal to ascertain the correct market value e if.your premium is paid by installment any outstanding premium will be deducted from the settlement figure.
regrettably incidents of fraudulent false and exaggerated claims on the increase which affect the whole industry increase costs for genuine policy holders. in order to help combat fraud, claim settlement are made subject to the documents being satisfactory and possibly a number of routine enquires, which may include the appointment of a representative who will call on you in order to take a settle the claim if possible to settle the claim, if possible.
IMPORTANT NOTE
We are committed to the detection and pervention of all types of fraud. To this end we use a wide range of anti-fraud devices and techniques, and access various databases. we claims, as with othe majore insurers , are added to the motor insurers anti fraud and theft register.
telephone calls may be recorded for fraud prevention, training and quilty control purposes. We will not pay any claim which is any part fraudulent or false or exaggerated, or if aclaimant or any person acting for them uses fraudulent or false means to pursue a claim, or where we have been provided with any documents that are false or stolen. in such circumstances all cover under the policy will cease and no returne of primium will be allowed. we will persecute any person found in fraudulent activity against us.
we look forword to reciving the documents in the near future , in this interim, please do not hasitate to contact us . should u reqiure further assistance with this matter.
should we not hear from you within next 7 days we will assume that you no longer wish to continue with you claim and will will file our papers accordingly
i dont know what to do???????????
|
If you want to claim you have got to send the documents thay ask for plus the keys and perhaps the photo and they will take the procedure from there. If you don't want to claim tell them you aren't going to and that is it. Have we yet been told whether the car was stolen by the use of the keys or was it broken into and hot wired?
Edited by Armitage Shanks {p} on 23/05/2009 at 14:56
|
i dont know what to do??????????? >>
In my opinion, you have two options:
1. drop your claim, as others have already suggested. You Insurance company may secretly mark your file to suspect any future claims from you as potential fraud.
2. If you are 100% innocent, talk to a solicitor, as your Insurance Company probably thinks that you are making a fraudulent claim.
Edited by jbif on 23/05/2009 at 15:53
|
|
|
|
|
|
