Insurance say I am not liable so they won't pay

[naafi]

Re: Insurance say I am not liable so they won't pay

Can not find the original but this is a copy of the hard copy .

We were expecting the delivery of a new carpet and bed on the morning fo the 12/09/2011
Because we live in a small bungalow and are limited to space we had to place all of ouur bedroom furniture in our living room which left us with no where to put the old bed.
As we have a large driveway which goes right down the side of our bungalow with large gates leading to the rear garden, we decided to put the old bed down the side behind the gates until such time as we could arrange disposal of it.

My husband and I were moving the old bed out through our front door in order to put the bed down the side of the bunglaow behind the gates. Our neighbours car was parked on his side of the drive out side of or front door. It was fairly windy at the time. As we manouverd the base of the bed out through our front door a sudden strong gust of wind caught the bed snatching it from our hands and hurling it against our neighbours car. It hit the drivers side of the car bonnet causing a dent in the bonnet. Where the impact is on the bonnet it has caused a crease in the bonnet.

That was the statement that I sent with the claim form.

[naafi]

Re: Insurance say I am not liable so they won't pay

I am going to have to draft this statement on behalf of my neighbours for them to sign.
I have to put the nature and the extent of the damage to their car.
I have not got a clue what to write so would be ,most grateful for some guidelines. What on earth do I write??????

Once they have read it they will sign it as being written by themselves.

Once I have done a draft copy I will post it in the hope that I can get some one to tell me if they think it is good enough or what ever.

[naafi]

Re: Insurance say I am not liable so they won't pay

This is what I have written but I have no idea if this is good enough. Do I need to add any thing else or what?? It is supposed to just be a letter stating nature and extent of damage to car.
Should it state also that he did not want to or feel the need to claim on his motor insurance ??



Dear Sir’s,

Ref: Claim xxxxxxx

Liability Claim (Household)

I am writing to you with reference to the above claim made by Mrs, regarding damage to my motor vehicle reg no: xxxxxxxxx


My motor vehicle a Suzuki Grand Vitara was parked outside of my front door on the driveway which we share with Mr.xxxxxxx& Mrs. xxxxxxxx on the morning of 12/09/2011.
Mr. & Mrs. xxxxxxx were attempting to move a divan bed base out of their front door in order to take delivery of a new bed that morning.
During the removal of the old bed base out of their front door damage was caused to my car.
The divan base hit the bonnet of my car causing a dent in the bonnet. It was hit hard enough to also cause a crease in my car bonnet next to the dent.
The dent was approximately 4 inches in length but due to it creasing the bonnet at the point of impact it meant that the bonnet would have to be replaced. There was no way the crease could have been removed in order to achieve a perfect finish.
I arranged for a quote for the replacement & re-spraying of the bonnet in order to match the paintwork of the car. This quote was handed to Mr. & Mrs. xxxxxx in order that they could pay for the work to the damaged bonnet. The total cost or the repair work was £ 743.69
I understand that a copy of the quote was sent to you along with photographic evidence of the damage.

[Gorang]

Re: Insurance say I am not liable so they won't pay

Can you remove the name on the first line please
------------------------------- merged -------------------------------
Just hit edit on your post then you will be able to remove it
------------------------------- merged -------------------------------
That letter looks fine to me

I would also add a copy of the bill that was paid for the repairs

[naafi]

Re: Insurance say I am not liable so they won't pay

Hi,
Just removed name, thought I had removed them all but missed that one. Glad you noticed it and pointed it out to me.

Just putting that letter in the post now with a copy of the invoice we paid for the repairs.
I can only keep my fingers crossed now.

Thank you for your help I appreciate it. Will let you know when I hear back from the insurers.

Thank you

[labman]

Re: Insurance say I am not liable so they won't pay

I phoned my insurance company about an accident which had caused damage to my car recently (Tesco Insurance) but happened when I was nowhere near the car. They were not interested at all.

[righty]

Re: Insurance say I am not liable so they won't pay

Insurers claiming 'Act of God' in order to justify none payment of a claim have long been derided by the courts & judges won't allow them to get away with it

Also there is no reason why your neighbour should have claimed from his insurer as had he done so particular just before premium re-newel might have cost him considerably more

Tell them to pay up or else you'll issue proceedings with all the additional costs that will entail & which they will have to pay

[naafi]

Re: Insurance say I am not liable so they won't pay

I phoned my insurance company about an accident which had caused damage to my car recently (Tesco Insurance) but happened when I was nowhere near the car. They were not interested at all.

Hi Labman,
I am hearing so many complaints about Tesco insurance refusing to pay up now. I hope you are or did fight them.
Have you spoken to Financial ombudsman service , it seems from what they told me, that if you have or can get a Full and final response letter from Tesco insurers, then the ombudsman will take the case up.
Don't let them get away with it , I'm Not, I will keep fighting. I have not yet had a full and final response letter, so I can not use the ombudsman service just yet and am hoping I will not have to.
The letter signed by my neighbour went off to them this morning, with a covering letter, in which I yet again pointed out that my neighbour did not wish to claim from his insurers. Like you labman he was no where near his car at the time.
I once again enclosed a copy of the invoice i paid.
Now it is a waiting game again, as they tend to be so slow responding.

[naafi]

Re: Insurance say I am not liable so they won't pay

Hi All,
Well I had just had a final response from Tesco insurance.
They have informed me that they are not going to allow my claim.
They say that looking at all the evidence they have the car was damaged by accident.
I have a letter to that effect in the post to me.

I suppose I might just as well give up now, it is driving me mad!!!!:rant:

I will telephone the Finacial services ombudsman now and see what they say.

I don't know what else I can do.

[labman]

Re: Insurance say I am not liable so they won't pay

they are not going to allow my claim.
They say that looking at all the evidence they have the car was damaged by accident.

Why the heck do you accidenal damage insurance then?

Can you not take it to the ombudsman?

Financial Ombudsman Service

[CleverClogs]

Re: Insurance say I am not liable so they won't pay

I phoned my insurance company about an accident which had caused damage to my car recently (Tesco Insurance) but happened when I was nowhere near the car. They were not interested at all.

Did you really expect anything else from a purveyor of cheap, baked beans?

[CleverClogs]

Re: Insurance say I am not liable so they won't pay

Insurers claiming 'Act of God' in order to justify none payment of a claim have long been derided by the courts & judges won't allow them to get away with it

It would be a tad difficult to get the Designated Sky-Fairy to give evidence on oath:

I swear, by Almighty Me, that the evidence I shall give will be the truth, the whole truth and nothing but the truth; so help me Me

And that's if He even deigns to appear. As His appearances of late seem to have been limited to a toasted cheese sandwich or a dog's rear end, it seems unlikely that He could be relied upon to testify in court.

[righty]

Re: Insurance say I am not liable so they won't pay

Did you really expect anything else from a purveyor of cheap, baked beans?

Tesco This is the firm that tried to exempt itself from its own legal expenses insurance.

It would sell you legal expenses insurance but you could not use it to sue them .... or so they thought until challenged


Speak to a solicitor

[CleverClogs]

Re: Insurance say I am not liable so they won't pay

Why the heck do you have accidenal damage insurance then?

To boost Tesco's profits, of course!