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Lost no claims bonus and accident not my fault

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Last month I was travelling to work on the A1124 Halstead Road at Earls Colne in Essex and on the way I stopped at a newsagents to purchase a newspaper.  When I exited the shop I witnessed a blue van reverse into my car causing damage to the rear right hand side.  It began to drive away so I ran after it and stood in front of it to stop it.  The driver got out and said that he was sorry for hitting my car and that he wasnt looking where he was going, he apologised again and gave me his insurance details.

When I arrived at work five minutes later I telephoned his insurance company and confirmed with them that he was insured and had given me correct details, I told them what had happened and they told me there was nothing they could do until the accident was reported to them by the policy holder.  So I telephoned my insurance company, Admiral and reported it to them.  They told me to take my car to Colchester accident repairs where it would be repaired.

As instructed, I took the car to Colchester and was given a courtesy car while mine was being repaired. When settling the bill with the garage I had to pay an excess of £300.  I questioned this with Admiral as the accident was not my fault and I was told that that I had to pay it and that it would be refunded to me when the money was recovered from the other insurance company.  Like a fool I trusted Admiral and paid the £300 believing that it would be refunded to me as promised.

The next week I received a letter from my insurance company stating that my policy was due to expire and that I should renew.  My premium had gone up by over £300 so I telephoned Admiral to ask why.  I was told that I had lost my no claims discount due to the accident.  Naturally I told them that the accident was not my fault and that I had given them the details of the guilty party who had admitted fault.  I was told that there was nothing that they could do about it as until money was received from the insurance company, it was counted as pending and that I should pay the extra and that it also would be refunded to me along with the £300 excess when the money was received from the other insurance company.  Again, I believed them and paid up, presuming that in the near future I would be receiving around £600 that was due to me.

At the time £600 was over half of my monthly salary and put me into financial difficulties.  But being naive I believed that I would get it back.  The next thing I heard was that the van driver had apparently contacted Admiral and admitted fault.  He told them that he didnt want the accident to be dealt with by his insurance company and that he would pay for any damage himself presumably to retain his no clames bonus.  Admiral agreed to this without ever consulting me or even informing me of their intentions.

Admiral Insurance When Admiral sent the van driver the bill for repairs he returned their letter saying he no longer lived at that address and had left no forwarding details.  This was a blatant lie because he lived a short distance from my work and I saw him every morning.  I lived in Colchester and worked in Halstead, he worked in Colchester and lived in Halstead and I passed him on the road every morning.  I informed Admiral of this and again was told that there was nothing they could do about it and I would not receive the money owed to me until the money was collected from him in full. They also informed me that they had passed his details on to a debt recovery agency who were trying to trace him.  Even though I continually enquire about this matter by telephone I am told it is still pending, that was three years ago.  Since then I have had quotations from other insurers who quote an over inflated premium because I have an ongoing claim to which no fault has been agreed.

I would estimate that to present, building up my no claims discount again by paying the higher premiums together with the £600 owed to me I am out of pocket in the region of at least £1,000, money that is due to me because of Admiral's incompetence in dealing with this matter properly.

Article By: Aggrieved from Colchester


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dude007

dude007

i was driving to work one morning, and pulled in to pick up a coleague like every other morning, it was on a straight road, no traffic behind and no lines. anyway whilst static about a minate after pulling in a big van ploughs into the back of me totalling my car and giving me injury, he hit me at around 35- 40 mph, he no doubt was on fone, and couldnt wait to give details and move the van back to his house afew streets away, sounds dodgy i know.
he drove a company van and and admitted liability, so i claimed off his companys insurance,
now my insurance HAS INCREASED BY £500 - £600 A YEAR taking it well over a thousand pounds a year now and all for an incident that wasnt my fault in anyway whatsoever. i have shopped around and everywhere is the same result.
to make matters worse i only bought my car 6 months before on finance and so now am still paying for a car i dont even own, insurance claim doesnt cover the cost of what your paying for your car never does.
this bastard has got away scott free as it was a company van he worked for, so may just got a slapped wrist from them, however i am still paying for my car and my insurance has sky rocketed thanks to this asshole being careless, i really do feel like going to his house and beating the crap out of him it is soooo unfair how he has completely impacted my life and he has got away scott free.
dude007
3rd Jun 17 10:06

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samson

samson

I live in Halstead and can totally sympathise with the poster. Privilege have done to me what Admiral have done to you.
I was insured by Privilege when I got hit by a Romainian car in North London. The registration format was the same as UK and they kept telling me I was mistaken as the registration I gave them was a motorbike in Nottingham. Once they finally understood that they needed to check the Romainian equivalent of the DVLA they confirmed my description of the car was correct. I thought this would sort it out but it didn't. They felt it was too much trouble to contact that drivers insurance so they classed the accident as my fault, kept my £400 excess and took my no claims away.
I'm currently pursuing them for a breach of contract but they've strung it out since Sept 2014. It's hugely stressful and I don't seem to be getting anywhere. Meanwhile my insurance has gone up over £300 a year, I'm out of pocket by the excess and as I moved away from them to another insurer they are telling me they cannot deal with me as I am not a client of theirs anymore.
Time for some solicitors maybe!
samson
2nd Dec 16 08:12

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grumpyoldwoman

grumpyoldwoman

SKG, it's probably buried in the small print of the policy somewhere; but I think a letter telling them he will take his business elsewwhere, and will warn everyone you all know not to use them, would be a good idea; and maybe another letter to the Insurance Ombudsman.

As far as I remember it's generally assumed that if you are hit up the back it's the fault of the person behind, that's how the scam of braking suddenly to make the driver behind hit you works; so they should have assumed it wasn't his fault anyway.
grumpyoldwoman
1st Dec 16 03:12

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Next

Next

@SKG, Because the rich and powerful can write the law the way they want. Money breeds power, the more the money, the more they want and the more power they gain.
I hope you were one of the people that voted BREXIT to start the revolution against corruption and the decline of principles and decency.
Next
1st Dec 16 08:12

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SKG

SKG

My son was hit up the back recently, when he spoke to his insurance company, Diamond, he was told that if he claimed they would write off his car, not wanting that he made no claim but they have still taken away his no claims bonus. When he queried the situation he was told that it didn't matter that he hadn't made a claim or that he was not at fault but because he had been involved in an 'incident' they take away his no claims. How can this be legal?
SKG
30th Nov 16 09:11

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cynical

cynical

just a few snippits of general advice. if a car hits yours and drives offnotify the police as well as your insurance company as its an offence to leave the scene of an accident .if you feel you are being treated badly by an insurance company contact the insurance ombudsman,it costs nothing. also if another drivers insurance does pay you but you feel you have been ripped off (as you usually have been) take the driver to the small claims court for the difference. i know that works cos ive dunnit
cynical
14th Jun 14 07:06

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come on the underdog

come on the underdog

hello agrieved from colchester. some years ago i had an accident in a vehicle owned by the company i worked for,this was duely dealt with. when the insurance on my own car was due for renewal the company removed my no claim bonus because of the accident at work. i went to the citizens advice bureax,they told me to write to the insurers ombudsman. i got my no claim bonus back. the other thing i would suggest if you can find the other drivers address (maybe follow him) is the small cliam court. if judgment goes against him there is no escape. if he doesnt pay up within a few days they send in the bailiffs. hope this helps
come on the underdog
14th Jun 14 06:06

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A senior complaints handler

A senior complaints handler

Hi all, I know a lot of you may be past the point of this being useful but it may help anyone in future.
If you have an issue with your insure advice that you would like to raise a complaint (simple I know, but read on). They will log the complaint and do one of two things, either try and resolve it there and then or advice they will be in contact within 2 working days (they are required to do this). You now wait, because they can write to you on the second working day, so the allow 6 working days (2 for the company & 4 for the not so royal mail). In this time you should receive contact, if you haven't chase it.
Quite often that letter will advice the next step. If it something simple like you aren't happy if how much you have spent on call or bank charges due to their error, expect a cheque for the cost plus a little bit to keep you sweet. If it is something more complicated, they will advice they are looking into it and the process from here.
The process is simply a continuing set of processes until you are happy or they are sick of dealing with you, at which stage they will close the case.

They will try to resolve the issue on their system, IE, get you to agree it is resolved. If you agree to the outcome you agree it is close, you never have to do this until they say that they are unwilling to discuss the matter further and are closing the case. Donnast - 3-Dec-12 17:53 - for example accepted the outcome, they could have argued and forced them to honour the sales call. Once they decide to close the case, that is it for them. I hear far too often "I'm the customer you can't close it till I am happy", that's a load of horse s***, it can be closed without your agreement at any stage the company wishes, a lot of customers are unreasonable and are asking for way too much.
If the complaint is ongoing for 8 weeks it will have gone stale and you no longer have to wait for further contact and can jump to the next step without the complaint being closed.

Right, at this stage you have to remember 2 things. One, if you are being reasonable they will probably have settled with you by now. Two, if it is under 8 weeks and the complaint isn't closed, there is no point jumping the gun.

At this stage you are allowed to contact the FCA and raise the complaint with them. You can do it before this point but they really wont be that interested, they will open a file and the like, but they wont be actively involved until the complaint is over 8 weeks or closed.

Side notes - Raising a complaint with FCA costs the companies silly money, like £500 per complaint to be investigated EVEN if the complaint is found in THEIR favour. So anything below £500 where you push the point, they are likely to just settle with you.
But you want more than £500? SAR time. SAR - subject access request. This is your requesting ALL data they have on you, you will have to pay a nominal fee, but it will cost them £1000-2000. So once again they are likely to settle for £999.99 at this stage if it convinces you that you are no longer interested in your SAR.
A SAR will piss the company off, and is a last ditch manoeuvre, and if they think you are a dick they will just do it.


ABOVE ALL ELSE, be nice. Complaints handlers are people. Pissing them off is not in your interest. Do not shout, do not scream. Speak calmly, know what you want exactly and express this clearly. If they know exactly want you want they know the target and can be honest and say whether they can meet that or not.
A senior complaints handler
29th Nov 13 01:11

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Ise lassie

Ise lassie

I was at a red traffic light between two other waiting cars when a huge lorry came around the corner and crashed into the car behind me which cause the car to go into the back of my car and my car in turn to go into the front car. The police were called and the lorry driver accepted responsibility. Two months later I received a letter from the insurers of the car behind me, holding me responsible for the damage to that car. I called them and asked them how this could be, given we were all three cars stationary at a traffic light. I was told that the reason they were blaming me was because they hadn't had any joy with the lorry's insurers and needed to get the ball rolling!!!
Ise lassie
8th Oct 13 08:10

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loony

loony

Admiral insurance are a load of idiots. My daughters car was correctly parked outside her house. she was in bed. A lorry scraped her car and removed the back bumper. The driver of the lorry admitted by note that he did it.
Lo and behold they accused her of being a bad driver when in fact she was not in the car at the time of the collision.
The idiots doubled her premium. I don't know if they, as the census returns around 1900 where they need a column for idiots/lunatics or imbeciles, should have a column headed thus referring to the insurance co..
loony
27th Sep 13 10:09

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Donnast

Donnast

I have car insurance with co-op,I called them to get a quote for a newer car and also to put my daughter on as a named driver,the quote was good I accepted and paid by card,I then went and and purchased the car ,4 days later the cover note arrived but didn't contain any of my daughters details,I called the co-op and was told she was not on the policy to drive,and they didn't believe that I had instructed them to put her on,so took 48 hours to listen to the recorded phone call ,today I get a call telling me I was right and had asked for this on the phone,and that they were very sorry that my daughter had been driving around all week with no insurance,however they would not be able to give me insurance at the price quoted and wanted more than double the money,I told them I would not have purchased the car had I not been able to afford the insurance,the co-op told me there's nothing they can do and as way of good will gesture they would not charge me an admin fee if I choose to leave and find a new company,I couldn't believe what I was hearing,I now have a car that I only bought after I had known for a fact that I could afford to insure it,but now it looks like I can't,so up the creek 3 weeks before Xmas ,can they do this to me please any advice would be great
Donnast
3rd Dec 12 05:12

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angry fruit

angry fruit

Oh my goodness. I thought I was alone in receiving useless customer service from Admiral. They have upset me so much- I basically called one day to ask advice, after a white van man clipped my wing mirror- I made it very clear to them that I did not want to claim or anything of the sort, I just wanted to know if I should notify them.
Well.... my renewal has just arrived for the year and they have removed 3 years off my no claims bonus and charged me just under £80 for the privilege!! I'm disgusted to be honest. I have never claimed against my insurance in the 10 years I have been driving. So to receive this has really upset me,
angry fruit
20th Nov 12 01:11

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What do Orthodontists do?

orthodontic treatment

What do Orthodontists do? orthodontic treatment

What do Orthodontists do?

orthodontic treatment
What do Orthodontists do? orthodontic treatment
8th Oct 12 05:10

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stuink84

stuink84

Hi.I was wondering if anyone could help I insured my car with admiral as a leaner with a provisional license.when I past my test I rung them and told them I had past and they said I will have to pay another 145.25 I have also done pass plus they said they don't accept it then they changed their mind and took 8 pound of the 145.25
stuink84
17th Jun 12 08:06

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pierrejay

pierrejay

The insurance companies are presently under investigation by the Office of Free Trading, as everyone has had enough of the sheer criminality in their dealings with the public, not least due to the incredible annual premium hikes. This industry, like the banking industry, is a law unto itself, but this OFT investigation may be the start of some introspection on the insurers' behalf, particularly if it is well publicised in the National media - however, I suspect any changes would be short lived and they'd soon be back to making the massive profits that build those shiny 30-storey buildings in the most desirable parts of cities. You don't get rich by paying out as you agreed to do. It's like everything today - corporate greed and contempt for the man in the street, but we've let it happen by accepting this kind of treatment. It's time to start making lots of noise and harrassing them daily making them pay up just to get rid of us.
pierrejay
10th Jun 12 11:06

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