Hi I don't no if anybody can help, I'm having problems with our car insurance regarding a claim....
Me and my girlfriend both have our own vehicles fully comp insurance can drive others third party etc, one evening 3 weeks ago I drove my girlfriends car home 8:pm parked it at the back of our house on the road as stated on our policy (on a residential street) I think it's called my girlfriend went to her car at 9:00pm to get a bag from it locked it etc, anyway somebody decides to torch it at around 2:00am, police come etc take a few details etc following morning we phone our insurance company report the claim etc, fill in forms take interview over the phone etc, a week later car gets picked up then declared a total loss,then they called with an offer etc which we accepted we sent all paperwork log book keys service history copy of licenses etc, our insurer uses a middleman to do all the paperwork investigations etc called Ivalidate this is where the problems begin.
Another week passes and we get a few strange calls from them going on about who drove the vehicle last which was me, I'm insured licensed not a criminal etc since finding this out they want to come to our house to get my insurance and licence details etc which they already have, how is this relevant who drove it last as it was parked up for hours and my girlfriend went out to it and secured it? So I phoned my insurance who were most helpful and said its rubbish its basically irrelevant I also phone the financial ombudsman insurance department and they also agreed so why the interview at home? I've given them all the details they could possibly need and more yet they are still being obstructive rude and difficult and unsympathetic, yet another week passes we both work out of town we only have one car now £75 a week in taxis and its really getting us down they reckon it could take up to another 8 WEEKS!, we are decent people from good backgrounds own our own home etc no criminal records but being treated like criminals how is this fair is this normal behaviour? Is this how these things normally go or are we just unlucky? Any help anybody could offer we would really appreciate some help thanks....
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Hi
I would imagine that your insurance companies agent ,ivalidate,are employed to keep down the cost of insurance claims ,hence all the hassle they are giving you .
It's now two weeks since your car was taken away and you agreed to accept the insurance companies offer ,it shouldn't take much longer than that to settle your claim. I wonder if they are looking for reasons not to pay out .
I would suggest that you write to the agents and tell them that you have waited long enough ,it's time for them to pay the agreed amount .
Tell the agents that if a cheque is not forthcoming within 7 days you will hire a car and charge them for it .As you say in your post you need a car to travel to work . Tell the agent that if the cheques not received you will pursue your insurance company through the small claims court for the cost of the hire car .
Because the agents are employed to keep claims cost down ,I think you will receive a cheque soon after they receive your letter .
Regards
Tony g
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