Insurance companies reduce me tears sometimes, honestly.
Last year I had some idiot run in the back of me. The story's here As I've got fully comp insurance, the damage was fixed pretty quickly, but cost me £150 excess. Then the company passed the whole case to a claim handling company to get their and my money back. After a few months, they kept telling me that the driver of the other car was denying being anywhere near at the time -then they realized they had the wrong registration for the other car.
I kept chasing for progress, but always got the reply that they were waiting for the other insurance company. Then they said that the other party was, once again, denying being anywhere nearby, even though I'd driven to his house and phtographed his car outside his house and sent it to them. Then I got another claim form asking for "any more information" in April this year. I really couldn't help, and told them so. They said they would close the claim, as I hadn't responded. I got very irate, pointing out that I'd supplied everything possible and they went away again.
A couple of weeks ago, I got a letter from my insurers. saying that the claim was now settled, and that I should ring them to discuss the change to my premium next year. I duly called them, and was told that it had been settled as a no fault claim, and that I was not liable for anything. "So what about my excess?" I asked. "You'll have to ring our claim handlers for that" They replied. So I rang them. "your case has been closed because you didn't supply the information we asked for" they said. I pointed out that the insurance company had said that the claim was settled, and where was my excess. They said they'd ring me back.
20 minutes later, I got a call to say that I would get the excess back in a couple of weeks -and today it arrived!
The big question is -would they have paid me back the excess without being chased? What do you think?
I've sent an appropriet letter to my insurers!
Sorry for the rant, but I hate having to do the job that I thought I'd paid someone else to do!
Phil. Off to spend £150.