Someone mention whiplash?!

Just seen this thread. Gald you and Nat were okay, it must have been quite a scary moment. Hope you get the matter sorted out forthwith, it's the last thing you need with your domestic situation.

 

Goood to hear you are ok Andy, and that your lass is, well, bearing up!

I would hope that if your insurers had sight of the letter (do you have access to a scanner so you could email it across?) they would waive the excess in the knowledge that they will reciver that cost from the TP insurers. Something that you would need to specifically ask them, although it may be that the various insurers have different approaches on this.

 

Morning to you Maz.

 

I was thinking the exact same thing actually. Got a 3 in 1 printer which scans and copies (Canon £49.99 from £119.99 for the record and the NSR millionaires club). so will call the legal team Monday and send them a copy across Andy.

Maz thanks for the kind words... Nats getting all the classic signs of labour today, hopefully a false alarm but you never know. I'm excite

 

You are right, they are wrong. They try to convince you otherwise, but that won't change the facts. The people you are talking to are reading from a script that starts from "Deny everything" - You have done nothing wrong, and you don't have a car. Is that your fault? NO. Don't listen to them. Tell them how it is. Tell them how much money they are wasting by not sorting it out, but don't back down to their bull. I generally think you moan a bit more than required, but in this case, I think you aren't moaning enough. They are taking the p155. Don't let them

 

Thanks for the advice. And honesty

I'll keep my opinions of you to myself so as not to take this thread off topic, eh

 

 

Hey - I know that it won't be good, but I don't care. In this case they are shafting you, and I think that is just entirely wrong. I sell insurance for a living, but if I thought for one moment that the companies I represent were giving my clients the runaround to save a few quid, I would have to tell them how life works. If you don't have a fully sponsored hire car by 10.00 am Monday, PM me and i will give you a script to make sure you do.

 

I don't mean to sound rude, but I already have a hire car

Earlier in the thread I did state that I have a hire car provided by the legal cover on my policy. I have been told and have the posted details that under no circumstances will I have to pay for it (only the £10 petrol surcharge which is fair enough as I can leave the car bone dry when giving it back).

I did this because at the time (last Friday) they refused to budge until around Wednesday this week just gone. That's why when offered a hire car by MY insurers I took it. This is because they feel that I am 100% not at fault. This is cemeted by his insurers (late) letter offering to collect my car (even though my insurers collected it and provided me with a temporary replacement).

Again, not wanting to sound rude as I appreciate the straight talking advice, but I have written the above already quite clearly. With his insurers it is a case of offering the services I wanted (hire car and collection of my car) too late. I was unprepared to wait until Wednesday this week gone (which incedentally was when their letter to me was posted) especially when I have my fiancee now nearly 38 weeks pregnant

So as said FB I'll contact the legal people on my policy on Monday after work and get a copy of this letter off his insurers sent off to them.

Thanks.

 

:cough: I missed that bit.

 

No worries

Trust me if I'd have gone from Thurs 10th - now without a replacement temporary car then I WOULD HAVE MOANED

Replied PM also.

 

Are we talking about best reduction, or best price?...if best price, I trump you. Less than £11 for a 3 in 1, admittedly mine was a Lexmark. The printer was less than the replacement ink ffs

On a serious note, I am glad you and Nat are ok.

 

Was a Canon replacing a 5 year old Epson... had to have it at that price Lisa.

I'll pass on your best to Nat

 

I can't believe that for one second

 

Just finished on the phone to the insurers now. I called the legal team first who said they don't have the authority to waive the excess if/when the car is written off (forms have only just been processed today so should hopefully have engineers report in 3 wroking days). So I called the claims dept again. They were insistant that even if I'm not to blame I will still have the excess deducted off my settlement and will have to claim it back via legal cover. This the woman said was simply company policy regardless of liability.
So I then explained the letter and my situation in great detail. I explained that once the settlement figure was agreed that I would need to give the hire car back. I explained that the settlement minus the excess would leave me with insufficient funds to purchase a similar car AND that my fiancee is 38 weeks pregnant. I really played on it and said I would make a complaint if necessary as I have said letter offering to repair/write off my car and offer a full settlement from his insurers. She said to send a scanned email through of the letter which I have done with everything discussed on the phone written down too. She said she'd speak to her supervisor and someone will call me tomorrow some time.

I'm just hoping that someone will call me, the excess will be waived (even though against their policy) and that the engineer will pull his finger out and tell me whether the car is a writeoff or not for gods sake :seethe:

I'm suprised that their policy is not to waive excesses even when liability is as clear cut as this. Anywho, will update as/when I can.

 

The very, very best of luck dealing with CIS.

Someday, when you have a spare two hours, I'll run you through MY time with them.

The word "incompetent" doesn't even START to desribe them.

 

After not being able to help on my renewal, I asked Gary Moulson about CIS-cooperative as they had offered me a very good quote. The general feeling was they were not the ebst but better than many.

In fairness Jeff, if I was having my excess waived then I can't really complain much aside from the odd dunce in the call centres

 

If they don't waive excesses when they have confirmation from the third party insurers that they concede liability, then they have changed their policy (I was a team leader in one of their claims offices till six years ago).

Andy2

 

I may just write that bit of information down Andy, thankyou

I dunno whats become of the car since last saturday but apparently today my insurers said they had recieved confirmation that the engineer has received, er, something... documents or other crap

So they said 3 working days and should have a decision on it. It's a time thing as you know as the car may be written off BUT they still may not have admitted liability. For all I know they could still be trying to contact the gentleman who belted into me (but then again why send a letter to me offering to repair the car if they weren't going to admit liability).. GRRR

 

Erm, well that's quite a shock

Whilst in the bath from what can only be described as a 6-2 shift from HELL, I missed two phone calls on my mobile.

First call is from the engineer looking over my car. Convo basically went like this:

Me "Hi missed a call from you, is that Keith the engineer"
Keith "Yes, I've looked at the car and (sucks through teeth) it's a write off I'm afraid"
Me "ah - thought it would be"
Keith "Yes so we need to agree a value."
Me "Ah crap"
Keith "Looked at similar cars, yadda, yours was in good nick (sorry who's car were you looking at again I'm thinking ), low miles yadda (sucks through teeth), £950"
Me (coughing) £950?
Keith "Yes, we feel we're offering a fair amount"
Me (Knowing it's worth **** all really "Yeah, suppose".

So, they have valued a 13 year old Peugeot 106 1.1 with not so great bodywork at £950 - bet he looked on Autotrader


Second call was from my insurers. So after 10 mins on hold, I got through to a polite lady. Won't ring off the conversation BUT after sending the email last night with the attached letter from his insurance, they have waived the excess I think on reciept of this email they may have called his insurance and requested an official admittance of liability, which they have got.







So, I'm getting £950 for the car. When I bought it as a p/x plus cash deal for my 205GTi it was valued at about £400 as part of the deal... not a bad result there then. Am I keeping schtum until my cheque arrives...?

All in, a good result today. A bit of pressure has paid off without me being Mr **** to them

Right, £950 - what do I buy which is baby friendly.

 

my sister has got a mk2 punto sporting. this it is a 1.2 16v engine, its got 6 gears sun roof etc. over all a very nice little car that you should be able to get for that amount. fairly easy to work on etc

 

A Fiat

After owning a Cinquecento for 8 weeks, I will NEVER own a Fiat again

Gonna have a mooch but not had a time when the cheque will come or if it's getting put into my bank account. Early doors still

Hows the Scoob coming anywho??

 

Yeah thats my thinking. Even a hatchback with 4 doors is better than what I had. But nothings certain untill I've got the moolah so just preliminarily looking for bargains

 

4-door fezzy, easy to get parts for, relatively easy to work on.
Ditto Corsa.

http://www.autotrader.co.uk/classifi...58ba?logcode=p

 

Suits you, sir

Or, for four whole pounds more you could have something reasonable such as something like this for example.

 

Hello all, been a while but always lurking, i picked up a nice Rover 200 1.4 about 8months ago 2 owners 40k for 900quid, and before anyone says anything there a decent motor 42 to the gallon handle supprisingly well and go well too,plenty of room for pushchairs and the like in the boot, parts are really cheap and easy to find, changed front discs and pads for less than 50 quid, serviced oil and both filters 40, and still going strong after 12000 trouble free miles, seen a few for half what i paid on autotrader, just a thought in case you´ve not looked at them. happy hunting and good luck with the search, i love looking for new cars

 

Result!! Glad CIS waived their excess when presented with evidence of the TP insurer conceding liability (plus a bit of verbal blunt trauma ). And a generous engineer. When I worked for them I often found that valuations were a tad generous for older cars, which is fine for the punter!

Anyway, great to hear Andy!

Andy2

 

Hi Andy

Glad you have it sorted.
I know it's a 3 door but it has a rather large boot. See what you think.

https://www.scoobynet.com/private-fo...san-1-5se.html

 

Well it's been a week or so since last contact so just on the phone to my insurance now. This is the bad part of my insurance company - getting through. Rang the claims dept number and half the time after choosing the relevant option you get an engaged tone and then cut off
So tried a couple of times and got through. Asked the guy what was happening, he looked through the docs I'd sent. Said everything was ok "I'm able to relase the..." booooooooop.... cut off

Fuck sake

So called back the claimd dept and it's just doing the engaged dial tone after selecting the correct option.

So called the general policies number and the retard there tries to assure me it's a 24 hour number EVEN though it says on my policy letter it's a 9-5 number.
I wanna get through NOW so I can have the money released into my friggin' account and not as a cheque that will take 5 million years to clear

So if I get knowhere I'm putting a complaint in.

Also, if everything is all good, WHY has it taken ME to call THEM and chase it up when THEY (by their own admission) could have called me days ago and released the mooolah

*****... no RETARDED mong, spazzer, spastic *****

 

Is this the brokers or the actual insurer? If its the broker, call the insurance company direct. If its direct with the insurer they should know better than to treat people like ****.

You could write to them. If this is the start of a mother of a f*ck up job you would be best to start getting things in writing.

Personally, ring the general number and ask to complaints department - they are FSA regulated and are bound by certain conditions if you make a formal complaint over the way your claim is being handled.

You could also try the financial ombudsman. We don't deal with general insurance but I do enjoy taking a stick to some of the ones that do both sides - Aviva is my most hated insurer.