Insurance query

Discussion in 'Motorhome Chat' started by jomel, May 12, 2010.

  1. jomel

    jomel Read Only Funster

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    Travelling back from Scotland last week, we stopped for a break in a motorway services, parked in designated spot and sat down for lunch. We were parked about 10" away from a grassy area and when we parked up there was not a grasscutter in sight but low and behold..along comes a young man on a sit on grasscutter and bashes into our exhaust with quite a force, bending it somewhat. After a hell of a pallaver trying to get a no from him (the first 2 were non existent) we checked the motorhome and tentatively set off.
    I was quite pleased with the initial response during the first call as they seemed quite thorough and even mentioned giving us a vehicle to replace theone we were in. We set off home, calling in to RV specialist on way back who assures us vehicle is safe to continue and measures up exhaust piece in readiness for insurance go ahead.
    Instructed to wait for a call from the insurers we set off home ..3 days on we ring Safeguard to be told there is no claim on the system ?? Now we have to wait for this person to come back to us this evening to find out what is going on. Grrr!
    Does it usually take this long to get the go ahead for work to be carried out?
    What happens if they arent satisfied they can recover the money? does it affect our no claims etc? So much for all the promises when you first join up.
    Never had to claim for anything before, am I being impatient?
     
  2. theresa

    theresa Read Only Funster

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    we had the same with safeguard when we were robbed , yes very good when we phoned them , then wait for it . it took a year before they paid out , and come to find out the only thing that we were covered for were the locks on the doors, all the other stuff like money and passports etc were not covered with them , you will have to keep petering them i am afraid , good luck
     
  3. jomel

    jomel Read Only Funster

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    I feel a red mist forming Theresa....As if it is not stressful enough.
     
  4. ourcampersbeentrashed

    ourcampersbeentrashed Funster

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    If you are not satisfied with the way any insurance company is dealing with a claim, you must put your complaint in writing firstly to the insurance company with a copy to your insurance broker if you used one.

    Within your complaint ask them to send you a copy of their formal complaints procedure.

    If they do not respond within what you decide is a reasonable time just write or phone the
    financial ombudsman stating it is a motorhome insurance complaint.

    Here is the link:

    http://www.financial-ombudsman.org.uk/


    From first hand experience, contacting the financial ombudsman does work.

    Good luck
     
  5. sedge

    sedge Funster

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    I'm a tad confused here, excuse me!

    You rang the chaps employer, or his insurance broker, or his insurers, Yes?

    So why would your insurer know you were claiming against someone else's insurance company? Which may easily by the way, not be a motor insurance policy, a grass cutter being an off road vehicle, the claim may be the subject of a public liability policy, not the liability section of a motor policy.

    (If you want to claim on your own insurance you can. But then you would most likely have to pursue the other insurer to reimburse you, it is not to be automatically assumed that the MH insurer (or any motor insurer) will always do that for you.)

    I was the insurance broker to a large landscape gardening company - the sort that tender for council contracts and the like - and some of their machinery was road going and some of it wasn't. Our claims dept were kept quite busy explaining all this to claimants LOL We would get a Third Part on the phone - say this was you. But our client, the company, hadn't yet told us about this incident so then we would ahve to contact them with the claim details you had given us. The people in their office would not know that this incident had occurred, so they would then have to find out who the driver was at that site on that day, and get in touch with the chap and get his version of the story. This could take time. When they had it, they filled in the claim form, signed it and sent it to us. We sent it to insurers and they got going, they would say yes it is covered (or no it isn't, but that shouldn't be the case here!) and so we would get back to you or the repairers and everything hopefully moves smoothly from there on.

    Does any of that help?
     
  6. gazz

    gazz Formerly "gazznhelz"

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    i'm a little miffed at putting in a claim on your motorhome insurance for an exhaust, yes i know if a full system is needed it can be expensive, but surely not as expensive as the increased premiums for the next few years, and reduced ncb if you dont have them protected.

    especialy as you'd be claiming from his employers, via their insurance or not (which unless the exhaust costs more than a few hundered, they'd prolly pay from their pocket, to avoid premium increases them selves next year,

    or did they tell you to get your insurers involved?
     
  7. jomel

    jomel Read Only Funster

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    Just signed in sorry been busy organising a party.

    Apparently it is not worth putting in a claim as the repair would not be worth the no claims loss and excess.
    I would have to go through my insurance to claim it off his.

    Excuse my ignorance here, never having put a claim in for anything in my life, the way I see it ...I didnt damage the exhaust someone else did.

    When the idiot hit the RV he hit it with quite a force.This was no Flymo, it was a huge heavy thing.
    The possibility of damage to the engine etc could have incurred heavy costs so really, aquiring a contact number was the best thing to do.

    Not being mechanics ourselves we would not have known if there was extensive damage or not until it was checked out.

    I didnt ring their insurers, the lad that hit us gave us the numbers (both false)and said it was his boss.
    There was a different number on the side of their lorry. I rang my insurers, and gave it to them, they said that they would take care of it providing the company had insurance they could recoup the costs.

    It may well be a couple of hundred for an exhaust but like I said, I didnt cause the damage so why should I pay? Jeez! should I have just said 'oh well never mind then' ??
     
  8. pappajohn

    pappajohn Funster Life Member

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    never get your own insurers involved unless you really have to.

    one of the first questions they ask when quoting is......have you had any accidents or claims, even if you werent at fault.

    tick 'YES' and you will become a higher risk to them....you had an accident and it wasnt your fault, but you still had an accident.
     
  9. Ralph-n-Bev

    Ralph-n-Bev Funster

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    If i were you Id try and get the money for the fix off the grass cutting company.
    Did you try and ring the number on the side of the van? Get the boys name ?
    Though thats probably false too if he gave you false telephone numbers :Angry:.
    Bet your livid.
    You shouldn't have to pay for it , they did it i agree , but i bet it wont be worth claiming on your insurance .
    Shame it wasn't a council grass cutter.
     
  10. Doddy999

    Doddy999 Read Only Funster

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    Dont forget tell them your giving 5 days or a complaint to Ombudsman will happen,
    wether there right or wrong it costs them over £400 for the complaint.
    They normally settle within no time.
     
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