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I have a decided to post about an incident last year to get some advice.
My car was hit in the rear by a 16 year old driving a moped as I was driving on a straight road. There traffic slowed as did I and I was hit in rear as the moped had not reacted in sufficient time. There was damage to rear bumper and I reported the incident to my insurer. I passed on the motorcyclists details (LV) and the contact details of 2 witnesses to my insurer (Tesco). There was also a police contact/reference number (I was asked if I wanted to press charges).
My car was booked into FMG Garage. It took a shorth while to book in and I received a replacement vehicle whilst it was repaired. I got my car back and have had it for a while.
The claim is still open as we speak; the insurer of the third party has accepted liability which took a while initially as the third party did not report to the insurer. I've complained to my insurer today that I felt they have been lax in terms of following up on the case: whether it be to contact and liaise with the insurer of the third party or to get costing from the repairing garage. I have also received letters from Auxillas saying that Tesco has not settled with the car replacement company despite the claim handler saying 'oh we will sort that today.'
As my renewal date passed I took out insurance with another company; I thought Id have easily have received a certificate of my NCB - I have nt.
Erstwhile I chased to see what the delay has been.. My insurer has botched communication with their authorized repairer in terms of getting the invoice. I am trying to get this claim close over 4 months since it happened on what is a straight forward incident which feels incredibly frustrating. I have spoken with the garage and they have claimed they invoiced properly back in February; either way I feel I should not be having to play the role of a claims manager to progress my case to closure.
There are effectively two ambits to my query - one is the way in which Tesco have handled the whole process - I am looking at going to the Ombudsmen about that. The other is a wider concern at the way in which insurers are allowed to operate: the whole situation and put me in a competitive disadvantage when seeking renewal/insurance. It feels like the whole process is unfairly skewed to the insurer and just interested in opinion on that: a contract that causes significant imbalance in the parties' rights and obligations to the detriment of the consumer.
My car was hit in the rear by a 16 year old driving a moped as I was driving on a straight road. There traffic slowed as did I and I was hit in rear as the moped had not reacted in sufficient time. There was damage to rear bumper and I reported the incident to my insurer. I passed on the motorcyclists details (LV) and the contact details of 2 witnesses to my insurer (Tesco). There was also a police contact/reference number (I was asked if I wanted to press charges).
My car was booked into FMG Garage. It took a shorth while to book in and I received a replacement vehicle whilst it was repaired. I got my car back and have had it for a while.
The claim is still open as we speak; the insurer of the third party has accepted liability which took a while initially as the third party did not report to the insurer. I've complained to my insurer today that I felt they have been lax in terms of following up on the case: whether it be to contact and liaise with the insurer of the third party or to get costing from the repairing garage. I have also received letters from Auxillas saying that Tesco has not settled with the car replacement company despite the claim handler saying 'oh we will sort that today.'
As my renewal date passed I took out insurance with another company; I thought Id have easily have received a certificate of my NCB - I have nt.
Erstwhile I chased to see what the delay has been.. My insurer has botched communication with their authorized repairer in terms of getting the invoice. I am trying to get this claim close over 4 months since it happened on what is a straight forward incident which feels incredibly frustrating. I have spoken with the garage and they have claimed they invoiced properly back in February; either way I feel I should not be having to play the role of a claims manager to progress my case to closure.
There are effectively two ambits to my query - one is the way in which Tesco have handled the whole process - I am looking at going to the Ombudsmen about that. The other is a wider concern at the way in which insurers are allowed to operate: the whole situation and put me in a competitive disadvantage when seeking renewal/insurance. It feels like the whole process is unfairly skewed to the insurer and just interested in opinion on that: a contract that causes significant imbalance in the parties' rights and obligations to the detriment of the consumer.
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