My sympathy for your predicament.

It would be useful to have some dates, to get some idea of the time scale. You need to have all documentation, especially from Budget, if they are in effect the brokers who sold you the insurance. The case hinges on what you were asked about your status relating to the vehicle when you took out the insurance and what you replied.

It seems to me you need a lawyer to handle all this.

No doubt Lucy will post soon and I suggest you read it carefully.

Edited by ChrisPeugeot on 31/01/2011 at 12:17

I actually work for the company, okay in a completely seperate department but in Insurace all the same and the policies i work with are similar to the others.

my first question is why you were so annoyed about not recieving a Hire Car when declared total loss. Were you paying for that Full Hire Car option in your policy? Core product is an A Class hire car for a period of 4 days if your vehicle is in for repair. Then you are given the option to add and upgrade that service to a 'level 2' so you would recieve a hire car for (in my policies its) 14 days for stolen and 18 days if declared total loss.

We also Specifically ask on our systems in seperate questions 'are you the vehicles registered owner' 'are the you vehicles registered keep' and will be changed accordingly. its down to our underwritting terms if we accept claims if said fields are different.

I also cant put your story together, how old was your vehicle to be able to be declared a total loss from a Prejudical claim when trying to park? Its usually done by percentage of damage to the vehicle (50% in most cases) Or if the damage repair would cost more than the cars worth.

From reading what you've written, you never gave enough details about your actual Claim insident and wanted to jump into slating the company for abiding to its own underwritting critera.