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Hello,
Firstly I would like to apologise if not posting on the right thread.
My husband is self employed and had his insurance done via DNA.
At the time of sale I was told his insurance would cover replacement car (like for like, )and loss of earning so we decided to go with the fully comprehensive cover.
He had an accident back in June, and since then we have had nothing but a nightmare with the insurance.
Originally we called DNA to report the accident but was told our insurer's are Westminster and they use other claims company to deal with all claims Proxymore law and they use CH1 as so on. We were told that we are not entitled to replacement car, loss of earnings or any injury claim ( he was injured quite bad and the car was written off), so we had no source of income from him as the car was his bread and butter so to speak. The reason was because it was a fault accident. When I questioned this was all covered at the time of sale and I was not told it only covered for non fault accidents, I was told in case of an accident. Westminster don't want to deal with and told me to go back to my brokers, who were supposed listen to the telephone recording and call me back , 2months on nothing, I requested a telephone conversation recording in writing, that was only done this week and waiting for their reply. However after speaking to their advisor today, he can't help because his notes on the screen don't make sense!,,,, I just wanted to know if any one has any knowledge to insurance companies and what would b the best steps to more forward.
Firstly I would like to apologise if not posting on the right thread.
My husband is self employed and had his insurance done via DNA.
At the time of sale I was told his insurance would cover replacement car (like for like, )and loss of earning so we decided to go with the fully comprehensive cover.
He had an accident back in June, and since then we have had nothing but a nightmare with the insurance.
Originally we called DNA to report the accident but was told our insurer's are Westminster and they use other claims company to deal with all claims Proxymore law and they use CH1 as so on. We were told that we are not entitled to replacement car, loss of earnings or any injury claim ( he was injured quite bad and the car was written off), so we had no source of income from him as the car was his bread and butter so to speak. The reason was because it was a fault accident. When I questioned this was all covered at the time of sale and I was not told it only covered for non fault accidents, I was told in case of an accident. Westminster don't want to deal with and told me to go back to my brokers, who were supposed listen to the telephone recording and call me back , 2months on nothing, I requested a telephone conversation recording in writing, that was only done this week and waiting for their reply. However after speaking to their advisor today, he can't help because his notes on the screen don't make sense!,,,, I just wanted to know if any one has any knowledge to insurance companies and what would b the best steps to more forward.
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