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Odd service from my insurance provider ...


 
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Edbricas
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Joined: 29 Dec 2010
Posts: 1
Location: Leek, North Staffordshire

PostPosted: Wed Dec 29, 2010 18:24    Post subject: Odd service from my insurance provider ... Reply with quote

Checking out the cost of the parts with my local Toyota dealer they came to a touch over £450 so with the work and a courtesy car well over my excess. I contacted my insurance company who in turn had their repairers contact me.  Then the strange conversation with the gut who was going to pick up my motor. “Its a bit old” says he, “I’ll collect it but they’ll probably write it off and send you a cheque” he says.  
Alarm bells started to ring, it’s a 1999 on a T plate with 130k (barely run-in) on the clock and worth a sight more than a few grand to me.  So I rang Shelia cancelled the claim and have so far found the wing and indicator for £115 and I’m still looking for a sensible priced headlamp unit cheaper than the £168+ from Toyota, any suggestions.
I wonder if anyone else as found this sort of treatment from any insurer and wonder if it is some sort of scam between insurers and breakers?
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PostPosted: Wed Dec 29, 2010 18:24    Post subject: Google Ads keep this community free to join!


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joinerman
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Joined: 11 Sep 2005
Posts: 2200
Location: Here & there

PostPosted: Wed Dec 29, 2010 20:34    Post subject: Reply with quote

They'll still clobber you at renewal time, they now know you've been involved in an accident & you will be a " Bad Risk " - doesn't matter if you've got protected NCB your on the database, so if you go elsewhere & don't tell them then have a claim there's a good chance they won't cough up & it's also fraud.

Sorry, not what you wanted to hear.
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tlocuk
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Joined: 29 Apr 2003
Posts: 283
Location: New Forest Border

PostPosted: Wed Dec 29, 2010 23:08    Post subject: Re: Odd service from my insurance provider ... Reply with quote

Edbricas wrote:
... wonder if it is some sort of scam between insurers and breakers?

Not at all ... insurance - it's all about gambling - the odds being on whether or not you'll make a claim - the underwriters take the risk - they don't want to lose out!

There are all sorts of 'arrangements' involved when you make a claim, from 'full price OEM parts' to 'preferred' companies from all sorts of businesses involved in helping to 'settle' the claim - it's just business.

Simon dontknow
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