Letter to insurance company?
20 March 2007, 05:09 PM
#1
Letter to insurance company?
Hey there
I'm having a few problems claiming for the damage caused to my car back in January by the storms https://www.scoobynet.com/scoobynet-...ight=wayneg555, so would like some advice!
When it happened my broker told me that i could claim through my insurance but would loose my no claims, which for me is a big no no (21 and a STi!!) so they advised claiming through my neighbours house insurance. My neighbor was very helpful about this and put in a claim for me. After hassling him every week (nearly 9 weeks now) about progress i got a little fed up so i phoned his broker myself today. After having a chat with them, they said that yes they knew about the claim but wouldn't be doing anything as it was an act of god as such! I argued that they were covered for 3rd party damages and as such should pay out, me being the third party! I made the point that if it had been me that had been hit would i have received anything and again they said no!!!!
So i decided to phone my insurance company again and this time they said that because i had already had the car repaired (had been advised to by 2 body shops as it was starting to rust really badly) they would take up the claim for me to get my money back with no risk to my no-claims bonus!!!!!
So here's the bit i need advice on, i have to write a letter to my insurance company saying what has happened so they can take up the claim. I'm no good at writing formal letters so do i basically say what i put above? any help would be greatly appreciated, feel free to post it on here or PM me
Thanks
Wayne
I'm having a few problems claiming for the damage caused to my car back in January by the storms https://www.scoobynet.com/scoobynet-...ight=wayneg555, so would like some advice!
When it happened my broker told me that i could claim through my insurance but would loose my no claims, which for me is a big no no (21 and a STi!!) so they advised claiming through my neighbours house insurance. My neighbor was very helpful about this and put in a claim for me. After hassling him every week (nearly 9 weeks now) about progress i got a little fed up so i phoned his broker myself today. After having a chat with them, they said that yes they knew about the claim but wouldn't be doing anything as it was an act of god as such! I argued that they were covered for 3rd party damages and as such should pay out, me being the third party! I made the point that if it had been me that had been hit would i have received anything and again they said no!!!!
So i decided to phone my insurance company again and this time they said that because i had already had the car repaired (had been advised to by 2 body shops as it was starting to rust really badly) they would take up the claim for me to get my money back with no risk to my no-claims bonus!!!!!
So here's the bit i need advice on, i have to write a letter to my insurance company saying what has happened so they can take up the claim. I'm no good at writing formal letters so do i basically say what i put above? any help would be greatly appreciated, feel free to post it on here or PM me
Thanks
Wayne
20 March 2007, 05:47 PM
#2
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Say what you've said.
you consider it covered under the neighbours policy. you are claiming for £XXXX for the repair and you are using your legal protection (which is probably what they are going to use to get your cash back) and you'd appreciate a quick response or you'll be asking for the interest too!
Good luck
5t.
you consider it covered under the neighbours policy. you are claiming for £XXXX for the repair and you are using your legal protection (which is probably what they are going to use to get your cash back) and you'd appreciate a quick response or you'll be asking for the interest too!
Good luck
5t.
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