Luce

I think you will find that most Insurers will not arrange cover or even provide a quote, if there is an outstanding claim elsewhere. For those Insurers that use CUE, they should pick up the claims information anyway, when they go through the quote. I have always found that Insurers do want to know the approximate value of claims.

In all the years I have worked in Insurance, the Insurers I have had dealings with, would not arrange cover, when there was an outstanding claim elsewhere. Also the people I know that have tried to arrange cover elsewhere with outstanding claims, have been advised by companies that they would not quote.

If anyone reading this thread is in the process of obtaining alternative quotes, when they have an outstanding claim I would advise that you do the following. Phone Insurers for quotes and mention the outstanding/pending claim. If they advise that they can quote/arrange cover, then great, if anything happens, atleast you have declared it.

Huckster

They don't need the claim settlement information to calculate their premium, they calculate their premium based on the accident being fault, if it is settled otherwise it is the responsiblity of the client to send proper proof to the new company that this is the case, at which point most insurers will then refund the difference should there be any.

Luce

Hi

In answer to the last two posts about arranging Insurance elsewhere, when a claim is outstanding, it has long been the practice of underwriters not to quote. Normally you are stuck with the same Insurer until the claim record is closed and noted as fault/non fault. Claims are normally only closed as non fault, when all claimed amounts have been recovered.

If you phone the new Insurers you have arranged cover with, ask them whether they are happy that you have a pending claim elsewhere.

I can see what you are saying in your posts, but this has not been my experience. Insurers as I say, will generally not quote when a claim is pending elsewhere, as they need the claim settlement information to calculate their premium. Also with a pending claim, there is also the possibility with some accident events, if there is any 3rd party Injury involved, that the claimed amount could escalate or the matter could end up in court. This may not be the case with fedupnow's claim, but the processes followed by Insurers are generally standardised.

Huckster

Thanks Huckster for your answere.

However, why can't the police just provide the other party's admission statement? For the amount of money they demond, you'd think that the report they provide insurance company would include that. Instead, all we've got is my statement. What does that prove? I'm so angry with both the insurance company and the police. It just made me feel like a victim all over again!

ps. You can get insurance elswhere. My insurance was up for renewal. They (Sheila's Wheel) gave me a quote that was so expensive that I shopped around and save myself over £100 by switching to Aviva.

Why can't they arrange their insurance elsewhere???

They can arrange their insurance wherever they please, as long as they declare the accident as 'pending' therefore fault. They will also owe the remainder of the insurance until the claim is settled otherwise, at which point there will be a returned premium from inception as if the claim had been non fault all along.

Luce

Hi

Yes this can be really annoying when the 3rd party is not cooperating with their Insurance company and as a result the 3rd party Insurers is refusing to play ball.

Your Insurance company is right that they will have to threaten legal proceedings to reclaim their costs and as part of that process it will become clear whether or not their is a Police report. I think when there are legal proceeding they will make a formal request to the Police for a report. I doubt it will ever get to court, as I am sure the 3rd party insurer will decide to pay up to avoid additional costs.

Until this matter is resolved, your No claim discount will not be reinstated. It is only once the Insurance company reclaims their costs from the 3rd party insurers, that they will reinstate your no claims.

And in the meantime with an outstanding claim, you cannot arrange your insurance elsewhere.

I am afraid you will have to endure this, but you should keep in contact with your Insurers to make sure that they are proceeding with this.

Huckster

I was involved in a hit and run back in March. The other driver was arrested and interviewed by the police and has admitted fault.

I contacted the other party's insurance company but they would not do anything unless their insured can confirm what I say. Unfortunately, the other party has not responded to any correspondent sent to him. I then ask my insurance company to claim on my behalf. After over 8 months, my insurance company is still unable to obtain the correct police report to prove my case.

During all this time, they have sent 2 request and only able to obtain the self report completed by me. The police have failed to provide evidence that I was the victim. I must admit, my insurance company has also been absolutely useless. After I made a complaint, the supervisor of the claims department took over my case. She had no idea of the correct procedure in obtaining a police report. Even after spending over £200, they still have no proof who was at fault. Now they were told by the police that due to data protection reason, the interview tape will not be released.

It's now gone to the stage where they want to take the case to court which is completely unnecessary.

Can someone who works in the insurance company tell me what to do? Thank you.