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messageCar insurance claim help
Posted by blacklashez 04 November, 2019 22:06

Hello , Iím in a bit of a pickle and need some advice ideally from someone who has been in my position or works in the car insurance industry. A young man hit my car from behind in April of this year. It was 100% his fault and he admitted it . Now since April his car insurance have not responded to my car insurance . My insurers can see this was not my fault and gave me my loss ( my car had to be written off ). Now the problem is , my car insurance is due in a months time . This case had not been solved as his insurance company have not paid or responded. Now Iím return my renewel price had doubled ! Last year I paid £698 and this heat they are asking for £1298! My insurers said itís because my case isnít closed yet. I donít know how to react as it was clearly not my fault! Can anyone please give me some advice ? Iím 5 months pregnant , hormonal and very angry. If anyone can help that would be great! Thankyou!

messageRe: Car insurance claim help
Posted by Sue 04 November, 2019 22:08

Phone the Financial Ombudsman? Their office was incredibly helpful when I phoned them.

[www.financial-ombudsman.org.uk]

It sounds very stressful, as well as unfair. Good luck!



Edited 2 time(s). Last edit was 2019:11:04:22:11:47 by Sue.

messageRe: Car insurance claim help
Posted by uncleglen 05 November, 2019 00:04

I don't get it. You say your insurers gave you your loss and your car is written off so why are you insuring it again?

messageRe: Car insurance claim help
Posted by Sue 05 November, 2019 02:09

uncleglen Wrote:
-------------------------------------------------------
> I don't get it. You say your insurers gave you
> your loss and your car is written off so why are
> you insuring it again?


Depending on the type of damage to the car, you can sometimes still keep it (and hence insure it) even if it is written off and you are given the cash value.

It is sometimes cheaper for insurers to do that than to pay to get the car repaired.

You can then pay to repair it yourself.

ETA: obviously you would only do that if you could get it repaired more cheaply than the money you got for the car when it was written off, or at least for the same amount (assuming you wanted to keep the car).



Edited 1 time(s). Last edit was 2019:11:05:02:10:53 by Sue.

messageRe: Car insurance claim help
Posted by womanofdulwich 05 November, 2019 07:13

I think that even if its not your fault, your insurance premium still increases.

messageRe: Car insurance claim help
Posted by Sue 05 November, 2019 09:15

womanofdulwich Wrote:
-------------------------------------------------------
> I think that even if its not your fault, your
> insurance premium still increases.


Surely not to that extent?

Blacklashez try Direct Line for a quote.


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