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It was only when I said “i’m hard to miss..i’m driving a bright red Nissan LeaF2 the chap went “eh.. we’ve got you down as driving a grey octavia”!
Is insurance for leaf via Hastings or are not insured to drive leaf 🤔
I appreciate they are (possibly) a budget insurance firm…
” was eye-rollingly dissapointing!
What's that expression about getting what you pay for...reap what you sow, made your bed... Cake something eating it something 🤣
How long has guilty until proven innocent been a thing?
"Wasn't me, piss off, feel free to try and prove otherwise, you can come and inspect my vehicle(s) if you like, any further questions?"
"How did the insurance company of the claimant get your insurers details? Did they report it as a hit and run to the Police?"
Presumably the insurers have access to the insurance database.
Google says yes.
https://www.mib.org.uk/managing-insurance-data/the-motor-insurance-database-mid/insurer-access/
I miss the ‘we are calling you about you recent accident calls’.
I used to go into elaborate details on how I driving a bus full of nuns to an orphanage to hand out presents when we were hit, everyone had whiplash and the presents (all playstations) were totalled. I could usually keep them going for at least 10mins.
I miss those too, last one I had (a while ago now) I started describing something out of a Michael Bay film and didn't get that far before I got a 'oooh you think you're so funny don't you' and they hung up. These days I only get scam calls from someone pretending to be from O2.
Is insurance for leaf via Hastings or are not insured to drive leaf
Or...crazy thought.... insurance for the LEAF is via another company!!!
Also..budget shouldn't mean incompetent! I'm not after bells and whistles, and a fancy replacement car if needed.. i'd think ensuring the customer isn't being shafted would be the bare minimum!
DrP
The OP is correct, help the insurer and it should go away, the more you can offer the quicker that'll happen.
If the process is unnecessarily slow then you won't be able to get a competitive quote elsewhere while the investigation is ongoing.
Don't co-operate and you'll doubtless breach T&Cs and risk having your insurance cancelled at the next opportunity; explain that come renewal time 😉
Some time ago a bloke reversed into the front of my car. Put their tow bar through the bumper and ripped the number plate off. Made a right mess.
I wasnt there but they had parked up in front of me. Paint still all over their towbar, towbar shaped hole in the front of my MGTF case closed. I reported it to my insurers who phoned the bloke up.
His response was. Nope i didn't do it. Case closed as far as my insurers were concerned.
Id tell them to go swivel
If the process is unnecessarily slow then you won’t be able to get a competitive quote elsewhere while the investigation is ongoing.
Funnily enough... my insurance renewal on the Skoda (yup..the undriven one!) is up on 5th December. a week or so ago I went through compare the market (before all this shenanigans) and got a really good price (£200) so went with a new company from 5th Dec..
My life isn't simple is it!
DrP
My life isn’t simple is it!
I'm guessing they'll be your next phone call 🙂
IME they'll just make a note of it, my timing is as impeccable as yours!
I had essentially the same thing (with Churchill) a few years back and they were totally happy with the response "it wasn't me, someone's screwed up, go back to the other company and tell them so". Never provided evidence or anything. It was just righto, sorry to bother you, just to make you aware we may have to contact you again depending on what happens next" but then never heard again, so I assume they either found the mistake or the other person changed their claim in the face of the mild pushback. YMMV of course.
How long has guilty until proven innocent been a thing?<br /><br />
it’s not an allegation of criminality, there is no concept of guilt or innocence for a civil claim. Your insurer is there to cover any civil claim. They get to decide if they should settle or not.
His response was. Nope i didn’t do it. Case closed as far as my insurers were concerned.
andybrad - presumably there was no evidence it was caused by him reversing into you rather than you driving into him. His “defence” would be “if I damaged him and was going to pretend it wasn’t me, I’d surely drive off rather than leave my car there with the damage on show”. Probably lucky you didn’t get a counterclaim!
Interesting one.
1. Did they reveal if the other party’s insurer was the contact or the punter themselves
2. The check of the MID is £10 a check.
3. There is definitely scope for fat fingers in the process at multiple stages.
4. What have Hastings actually asked for?
5. did the call agent sound like they were stumbling over being able to give you details due to a GDPR firewall?
I appreciate they are (possibly) a budget insurance firm… but… I very much doubt this is the first claim they’ve ever had to deal with, but they are certainly making it feel like that.
Problem with car insurance companies - none of them are "budget" - they all have so much dosh coming in constantly that they don't give 2 shits if they pay out £500 for this £2000 for that, £5000 for the other. They just bung it onto people's premiums and have even more dosh coming in... And when the "damaged" car goes into an Approved Repairer and the reparier charges a few grand on top of what the damage actually costs to repair? Well, I know for a fact that they don't give a **** about that.
That's why it's down to you to prove your innocence.. cos they don't give an monkeys arse if you're guilty or not. Either way they win.
You don’t have to do anything. Ignore these crazy fools. You’ve not done anything and you shouldn’t have to prove otherwise. The insurance firm employs claims investigators. They should be investigating not asking you to do so on their behalf. Not like insurance firms can’t afford it. If you really want to send them details to prove that your car isn’t magical and can’t drive itself down roads that don’t exist, charge them for your time. See how they like being charged lots of money for **** all