Insurance Report #5 (Final)

Discussion in 'Motorhome Chat' started by GJH, Feb 21, 2012.

  1. GJH

    GJH Funster Life Member

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    Thought it might be of general interest to summarise how our dealings with the insurance company (Highway/LV) went.

    All in all it went very well considering that the two collisions happened less than a week before the start of the Christmas/New Year holidays and that there were two separate claims to record and deal with. We received the cheque for all but £200 (the excess) on 28th January, which was 6 weeks to the day after the first incident and have received a cheque for £200 today, 9 weeks and 1 day since the second collision which (for some reason unknown to us) was the one the company used for the payout. It appears that the 3 week delay is probably down to Churchill (other party's insurer) dragging their feet rather than Highway/LV.

    Throughout the process everyone we've spoken to at Highway have been very helpful. Indeed, the guy I spoke to on 25th January, when we agreed the valuation, had the attitude that we had waited quite long enough and, whilst he had to retain the excess at that stage, he would (and did) ensure that the major part was paid within days.

    It's pretty obvious that Highway's standard systems/procedures are not geared up to dealing with two incidents (i.e. two separate claims) at the same time but I think that is probably true of all insurance companies. The people we've spoken to certainly recognised that something out of the ordinary needed addressing and did so.

    All in all we are pretty satisfied with what could have been much more horrendous and complicated. Well done Highway/LV.
     
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  2. jhorsf

    jhorsf Read Only Funster

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    I would have thought all insurance companies had experience of complicated claims as when on things like motorways people are running into one another front back and side sometimes 10 or more at a time.
    I hope you are pleased with the replacement van at least it happened when the weather was bad not in the summer when you would have really missed it.
     
  3. GJH

    GJH Funster Life Member

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    Yes, I thought the same at first. However, when you think about it, it is a single incident which just happens to involve a number of vehicles and would result in only a single claim (from each claimant) detailing each of the vehicles involved. In our case there were two separate incidents so two separate claims with separate records in the system :Smile:

    Very pleased, thanks. All in all we've come out of it very well :thumb:
     
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  4. ShiftZZ

    ShiftZZ Funster Life Member

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    I have visited a number of insurance companies over the years...

    Highway is relativly small and uncomplicated.

    In the main, they are all paper driven, Co-op in Manchester the offices are/were stacked high with paper files.

    NFU is a high tech office, 'invisible' wifi network, nice restaurant, but the structure is wrong, parts of it are run centrally, but in the main the final decision is taken locally and they can overide central policy.

    Zurich, a complex system and run by accountants


    I am pleased for you Graham...
     
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  5. Terry

    Terry Funster

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    Does that mean you are waiting for a second check :Wink::BigGrin:
    terry
     
  6. GJH

    GJH Funster Life Member

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    It would be nice Terry. We actually received a call about the first incident not having been paid out about 9 or 10 days after we received the main cheque - one of the examples of the system not really coping with our circumstances.

    Unfortunately when Jill explained the situation they marked the first incident as closed :cry: Who said honesty is the best policy? :Laughing:
     
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