What you can do - if this is the better option for you - is to withdraw your claim, and then issue the 14 day cancellation notice. You will then get (nearly) all your premiums back. The thing about this though, is if your car gets recovered, you will be liable for either the towing & storing charges or the rest of the years premium. Regards

I would ring the Insurance Company and ask if they have applied for the police report. If they have not, then I would ask the police for a copy of the report, and then forward that to the Insurers, (as well as asking them why they have not requested this) If they have, then ask them what discrepencies are there between the claim form (your exhaustive list) and the police report....

Hello, You say in the telephone call registering the claim you had such and such taken, but it was not a list of items that had been stolen. Am I right in thinking you are claiming for more than what was originally on the call, or the items in the call weren't stolen and you are claiming for something else? If it is the former you might be ok. You need to ask whether the Insurers have applied for a police report, and what was on the police report as stolen. You should be able to get at least what was on the police report and what was originally said. It also depends on other things - how long after the theft was this telephone conversation. What is the value of the items on the original claim, the police report and also items noticed later?

I would double check with the Insurer, as they vary from Ins Co to Ins Co. However, in my experience as you are married, then you can be the main driver on your husbands policy.

You would think so!! Although in a civil court, judges tend to go with the beyond reasonable doubt in insurance claims, when it is Insurer v Claimant

Yes - under the DD Guarantee the company has to give you 14 days notice if they are changing the amount they are taking from your account. They have obviously breached this

How did you cancel with Halifax? Phone, letter or email?

You say that you don't want you mothers NCD discount to be affected.... Are you the main driver of the vehicle that has been written off??? If so, I recommend you withdraw the claim. If you are the main driver of the vehicle you really need to insure in your own name.

I also seem to remember the Ins Co cannot use this estimate, as it is over 20 miles away? Can't remember if this was a general rule of thumb with the company I worked for, as I can't find on FSA, though

Hello, I have looked for the reason they are stating that the car is too good to be stolen - Jeep Cherokee are either 4 or 5* on thatcham's website - the rule of thumb is that a 5* cannot be driven away without the keys, 4* would take a long time to bypass the system. However, vehicles can be towed away, but then again, automatics only can be picked up a certain way. The forensics show the approximate mileage of each key. They are carrying out their investigations. The Insurance company cannot refuse to pay out if they "feel" something is wrong - they need to prove that you have acted fraudulently - beyond reasonable doubt.

Before you go to court on this one it'll be quicker doing it this way. Firstly, ask the builder to confirm in writing what the cause of damage was, and the pre loss condition of the aerial. If he confirms storm damage then it is set in stone that you will be covered. Insurance companies use systems like Geoproof to ascertain the ave wind speed / gusts of postcodes. The FSA have told insurance companies not to use this computer as the sole reason for denying the claim. Once you get the report from the builder send it to the Ins Co and they should reverse the decision.

Yes. WRITE to them and explain the circumstances - you should get a change of decision

Loss Assessors!!! NOOOOOO! Working in claims I can think of nothing worse than appointing an Assessor at this time. If you got your Insurance through a Broker, talk it through with them, however, if you insured direct my advice to you would be registering the claim with the Insurer, liase with the Loss Adjuster that comes round, and if there is a problem / claim has been declined then appoint a loss assessor. When speaking to a loss adjuster do not take the cash settlement - always insist on replacement, as a loss adjuster will only give cash settlement if he gets a substantial saving - so usually the cash settlement will not cover the losses. However, if you insist on appointing a loss assessor, ask them what qualifications the people handling your claim have (I do not know of any national loss assessors)... You really need someone with a degree or Diploma / Advanced Diploma in Insurance (as accredited by the CII). If they advise that they have an Insurance Foundation Certificate then I would personally stay away - there is little mention of subsidence in this course. If they advise they are qualified to IF1 standard then dont touch at all. Good Luck

OK, a couple of things. Firstly he needs to find out how they came to £60. If it is administration fee then that seems steep, and he should start recovering it like the bank charges. Also as he has dual insurance, and IF he has not made a claim, he should get the money back for the two premiums - he will need to show NUI the Certificate of Motor Insurance. Get him to phone them up and ask how to get a refund on the basis of dual insurance. Good Luck

It would really depend on who sent in the builders. If the builders have been sent in by the Insurance Company (BMC, Carillion, etc.) then you can complain to the Insurers if the damage gets worse. The Insurers will then send the company out again to rectify the matter. However, if you were asked to get 2 estimates / you decided to use your own builder, then it is up to you to get them to make right the damage. however, once the water has dried up, there is a chance that there will be no lasting damage, fingers crossed. Regards Craig

This is probably correct, however, the policy wording would need to be looked at to make a definitive answer. Your son in law should have really had his own material damage / property cover under the business. Has he spoke to his employers? There might be cover under the business policy? With regards to it not being fair - work tools (hilti, snap on, etc) are far more expensive then black and decker, etc. and if the insurers were to cover these then the premiums would rise significantly.

As long as your letter states subject access request and you have enclosed your fee then they do not have to insist it be completed on their form. To speed up your friends request though I would write back and advise you have done everything necessary, but for clarification the information you wish is all that is reasonably accessible under the terms of the DPA 1998.

But of course this is a change of story, and if this is not how it actually hapenned - fraud. In any case the Insurance Company could throw the entire claim out on the basis of breach of utmost good faith, and possibly void the policy from the date of the claim. Your Choice

Sorry, Are you complaining because the Insurer has offered too much cover in offering the peril in the first place?? Or because the Sum Insured is too low?

There are a few things you can do. Firstly, I would contact the ombudsman for advice... Tel No 0845 080 1800. I feel that the denial of the claim as it is timebarred might be unfair, especially as you look to the improtance of contacting them straight away. You took all the steps correct to minimise the NSP liabilities... However, how long outside the 42 Hours were you outside?? Are we talking hours, days, weeks, months, years?? If it is hours or days then you might be better off pleading (without getting angry or sarcastic) with a senior advisor / manager. Good Luck

I am afraid it is pointless appealing against this decision, if you wish to appeal on the basis that it might not have been left in the cloakroom.

Most Insurance Companies use a book called Glass's guide. when you type in your make model reg & year it will give you 2 prices, one for trade, one for retail. This valuation will also have a variance on mileage, eg for every 1000 miles over the average deduct £20. The Insurance company is supposed to go for in between the retail and the trade - this is called the mid book price, and offer that. However, due to FSA complaints on regional variations, the Insurance companies also look on t'internet and find a similar age model to substantiate the price they are offering.... If you are unhappy with the price you will need to substantiate your price. This means finding a car of similar age / model / milage to the car you had damaged / lost at the price you want. Hope this helps!!!

Sorry, but I think you have been informed wrongly by someone who works in Customer Services, who has never worked a day in claims in his/her life. The extra £80 will not have been against the claim, as the payment is £0 then this will NEVER count against you at renewal (as long as the claim is not ongoing). It is more likely the extra £80 is due to market forces (increase in claims for that company, sharholders wanting more dividend, inflation, etc.) To prove this go on a car quote website, type in the fact that you have never made a claim, get the price, then amend the quote to say that you have made a claim but it was non fault paid £0 - the price will stay the same. You do need to notify them. TBH if you dont, it wont make much difference, unless the TP makes a claim further down the road, then the underwriters can "reserve their rights", and you dont want that!!! PS - A fault claim stays on the record for 5 years, but Insurance companies don't take notice of it for the third and fourth year!!

Welocme to the insurance world!! right - sorry but your Insurance will go up - I'll explain.... If your insurance premium for the last year was, say, £1000, and you had 60% No Claims Discount, you paid only £400 for the years premium. OK. This year, because you have had a fault claim, you are classed as a higher risk driver, so your premium for next year will be say £1200. Because you have protected your No Claims Discount, you will get a 60% discount still, meaning next years premium will be £480, an increase of £80. If you didn't protect your No claims Discount, the discount would have gone down to something like 20%, meaning you would have to pay £960. What they should have said is your premium will go up, but not as much as if you didn't protect your NCD. However, ring back to confirm they tape all their calls - you might have a chance getting a price freeze next year5, if it is on tape the Call centre advised no increase. Also with regards to the exhaust, you might get something if it was a standard new one. If it was a performance exhaust, and you did not advise the Insurance Company, it is highly unlikely. good Luck

Also, how much have you got left of the insurance. How many years no claims discount do you have? It might be better off you withdrawing the claim to keep your no claims??