Insurance company says I have had an accident - But I haven't
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Insurance company says I have had an accident - But I haven't
21-04-2011 4:30 PM
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I have a letter from my bike insurer saying I have 4 years no claims (dated 2009) I went to re-insure the bike and the new insurance company says I only have ONE years NCB and had an accident in 2008, (A HEAD ON collision which I am sure I would remember having on my bike!)
When I contacted my old insurance company they said the claim was made AFTER the letter was issued and it would not honour the NCB.

I asked for details and was told to contact another insurance clearance company - which I have but have not heard from them for 6+ weeks.
I can see no way of refuting this claim as I was never contacted about it at the time and the insurance company is fobing me off

Re: Insurance company says I have had an accident - But I haven't
21-04-2011 4:36 PM
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Re: Insurance company says I have had an accident - But I haven't
21-04-2011 4:47 PM
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A claim could have been made against you direct from the third party's insurer to your insurer who subsequently contacted you by post. If you never received this letter then your insurer may have just accepted liability because they never received a reply.
Forum Moderator and Customer
Courage is resistance to fear, mastery of fear, not absence of fear - Mark Twain
He who feared he would not succeed sat still
Re: Insurance company says I have had an accident - But I haven't
21-04-2011 4:59 PM
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Quote from: Hairy How do I go about proving I wasn't involved in an accident (3 YEARS ago!)
Think it is up to your previous insurers to prove you were involved in an accident, trying to prove a negative event is difficult, ask them for copies of all the paperwork relating to the accident, (time, date and location, they must keep them by law) and information of any claims made (as you believe the claims are fraudulent), explain to them that you believe somebody is pretending to be you and that you want to take the paperwork to the police, be prepared to go to the financial ombudsman (http://www.financial-ombudsman.org.uk/) with regard to the fraudulent insurance claim in your name.
Keep copies of all paperwork, if you write (as 44Devon suggests) post by recorded delivery.
HTH
Re: Insurance company says I have had an accident - But I haven't
21-04-2011 5:01 PM
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Re: Insurance company says I have had an accident - But I haven't
21-04-2011 5:03 PM
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Although as you've lost your no claims you may technically have been defrauded too.
Re: Insurance company says I have had an accident - But I haven't
21-04-2011 5:04 PM
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I asked them :-
Quote They claim that you say that I had a head on collision on 04/06/2008, can you provide me with details of this claim please.
As I say I have heard nothing back from them.
What do I do next financial ombudsman?
Re: Insurance company says I have had an accident - But I haven't
21-04-2011 5:05 PM
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A good handler will follow this up and check all details but many don't due to the number of claims handled in a day.
Forum Moderator and Customer
Courage is resistance to fear, mastery of fear, not absence of fear - Mark Twain
He who feared he would not succeed sat still
Re: Insurance company says I have had an accident - But I haven't
21-04-2011 5:10 PM
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If you were in a head on collision then surely you would of been taken to hospital, had the law involved etc.
I'd start making enquiries if i were you..
Re: Insurance company says I have had an accident - But I haven't
21-04-2011 5:20 PM
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Re: Insurance company says I have had an accident - But I haven't
21-04-2011 5:30 PM
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Quote from: Hairy A head on collision on a motor bike just doesn't involve a simple exchange of details - ambulances are normally involved
Isn't that what i just said?

Re: Insurance company says I have had an accident - But I haven't
21-04-2011 7:28 PM
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Re: Insurance company says I have had an accident - But I haven't
21-04-2011 7:46 PM
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Re: Insurance company says I have had an accident - But I haven't
21-04-2011 9:53 PM
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Re: Insurance company says I have had an accident - But I haven't
21-04-2011 10:07 PM
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