Thought I'd bore you all with some reminiscing of my days as a claims manager (left the industry in 2000). I'll split them into seperate posts to stop you getting lost in a sea of words. Some are memorable for the wrong reasons – sad or macabre – some are just plain silly, but they're all 100% true and ones I dealt with myself.
1) Woman in her 20’s wanted to claim for damage done to her car whilst it was being driven by her boyfriend, who wasn’t covered by the policy as she hadn’t named him as a driver, and she claimed he’d taken her keys without her knowing about it. I told her she could claim on the insurance as a theft claim, but only if she admitted to the police that her boyfriend stole her car – she couldn’t tell the police he did have her permission (to stop him being prosecuted for the theft), and then tell us he didn’t have her permission, just to claim on the theft cover – i.e. stick to one story. She decided she would tell the police he stole it. Ok, I said, what’s the damage? Well, she said, he actually used it in an armed raid on a bank – he was the getaway driver, and the damage is that all 4 tyres are punctured because the police used a stinger device to stop the car after the robbery, the bonnet and front wings are dented where the police slammed the 4 robbers down onto the front of the car as they handcuffed them, and the interior needs valeting. What’s wrong with interior, I asked. “One of the robbers wet himself when the armed police surrounded the car and pointed their guns at them”…..