willin
DW Regular
- Joined
- Sep 17, 2007
- Messages
- 729
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- 369
My daughter has lost her NCD and excess on her car insurance! Can anyone offer any advice?
Story – I’m in the car with her one morning, approaching a junction an old lady stops quickly in front, she stops behind and a lad 25 – 30 nudges into her, not bad just a scuff /cratch on the bumper. The lad gives all his details except his address (says he would prefer not to).
I didn’t think much of this at the time, turns out her insurer Sheila’s wheels (SW) says she has to pay the excess £250 until they claim it back as she could not give full details of the other driver (be warned anyone who has a bump) . She has fully comp cover, NCD protection (everyone note this only protects you with your current insurer, not with any other insurer when you renew), and legal cover.
After the repair nothing happens for weeks, I phone them on her behalf (she hasn’t a clue how to deal with a claim) 3 or 4 times over the next 6 weeks or so, eventually I am told they have to give the other insurer up to 3 month to respond - note nothing at all in writing. After 3 months still nothing so when I ring I’m told the lad says he was only a witness to the accident AND he has an engineer’s report to say his car had no signs of being in an accident, so they would not be able to peruse the claim remember it was a nudge rather than a bump, his car is an S reg (1998) vw polo that had had more bumps than a dodgem. no engineer would be able to tell either way.
I complained to SW and told them I would go to the ombudsman if they did nothing about it. I was told they would pass it back to the legal team and get back within 7 days, after 8 days I complained to the ombudsman who wrote to them. Eventually I got a letter off them nearly 5 month after the accident basically saying they can’t prove the lad was involved and I am not an independent witness, a bit grovel saying sorry for not being kept informed and a chq for £100.
So short of finding out where the lad lives and kicking the $hit out of him, can anyone offer any advice, I will be continuing the complaint with the ombudsman.
Story – I’m in the car with her one morning, approaching a junction an old lady stops quickly in front, she stops behind and a lad 25 – 30 nudges into her, not bad just a scuff /cratch on the bumper. The lad gives all his details except his address (says he would prefer not to).
I didn’t think much of this at the time, turns out her insurer Sheila’s wheels (SW) says she has to pay the excess £250 until they claim it back as she could not give full details of the other driver (be warned anyone who has a bump) . She has fully comp cover, NCD protection (everyone note this only protects you with your current insurer, not with any other insurer when you renew), and legal cover.
After the repair nothing happens for weeks, I phone them on her behalf (she hasn’t a clue how to deal with a claim) 3 or 4 times over the next 6 weeks or so, eventually I am told they have to give the other insurer up to 3 month to respond - note nothing at all in writing. After 3 months still nothing so when I ring I’m told the lad says he was only a witness to the accident AND he has an engineer’s report to say his car had no signs of being in an accident, so they would not be able to peruse the claim remember it was a nudge rather than a bump, his car is an S reg (1998) vw polo that had had more bumps than a dodgem. no engineer would be able to tell either way.
I complained to SW and told them I would go to the ombudsman if they did nothing about it. I was told they would pass it back to the legal team and get back within 7 days, after 8 days I complained to the ombudsman who wrote to them. Eventually I got a letter off them nearly 5 month after the accident basically saying they can’t prove the lad was involved and I am not an independent witness, a bit grovel saying sorry for not being kept informed and a chq for £100.
So short of finding out where the lad lives and kicking the $hit out of him, can anyone offer any advice, I will be continuing the complaint with the ombudsman.