Insurance claim (theft) issues

Discussion in 'General Discussion' started by dino, Mar 27, 2019.

  1. 27 Mar 2019 at 2:56 PM #1
    dino

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    Long story short one of my cars got stolen late last year (not the M2 thankfully) and the claim is still not resolved.

    Insurer is waiting on police to return a copy of the crime report.

    This was requested beginning of Jan this year, the police state 40 day turnaround to provide this info to do this yet we are now almost 3 months in and still no sign of it. Insurer is chasing the MetPolice on an almost daily basis and getting nowhere.

    I've also chased them myself but they say as I gave authority to my insurer they can't help me, only the insurer.

    I'm at a deadlock here, insurer wont pay out until the see the crime report. Seriously how hard can it be to look up the crime report, press print and sent it on???!?

    Any suggestions? Have any of you faced any similar issues?
     
  2. 27 Mar 2019 at 2:59 PM #2
    M3 GFY

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    Contact Insurance Ombudsman.
     
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  3. 27 Mar 2019 at 3:02 PM #3
    dino

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    I would but the issue is the police are taking forever, Ombudsman cant do anything about that surely?
     
  4. 27 Mar 2019 at 3:08 PM #4
    M3 GFY

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    Maybe they can pressure your insurance company to pressure the police. They are there to protect you and you should have been paid out by now. They won’t rush to pay you if they don’t have to. It’s a phone call to the right person in the police or the correct form requesting the information.
     
  5. 27 Mar 2019 at 3:11 PM #5
    Derekh929

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    Just start moaning on their social media channels and lodge a complaint, that's all you can do, but the time it must take to reply to all the chasing must cost loads more than just doing it I would have thought.
     
  6. 27 Mar 2019 at 4:11 PM #6
    Toffeeman

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    Have you contacted the IPCC at all?

    If the Police guidelines state a 40 day turnaround and they haven’t adhered to that, then that might constitute a Police conduct issue. The IPCC deal with this. I’m not sure if they can help you, but it might be worthwhile reaching out to them.
     
  7. 27 Mar 2019 at 4:27 PM #7
    mikeyscott

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    The whole country is a mess.

    Sorry to hear about the grief
     
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  8. 27 Mar 2019 at 4:57 PM #8
    dino

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    Thanks. I didn't know about that.

    I've just put a complaint in. Doubt I will get a satisfactory response anytime soon.....!
     
  9. 27 Mar 2019 at 4:59 PM #9
    dino

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    I've already done that mate. Had a proper moan to the insurer a couple of weeks ago and since then they've been chasing the Met and giving me updates regularly.
     
  10. 27 Mar 2019 at 5:03 PM #10
    tony66

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    speak to your mp/euro mp and get them to pen a note to the police...they are less than helpful if their time used isnt resulting in a conviction /fine etc

    when you need them they are about as good as a chocolate fireguard,when you dont they are obstructive,and a downright pest/revenue collectors
     
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  11. 27 Mar 2019 at 5:24 PM #11
    AgentB

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    I don't know the details here but there are several possibilities to keep in mind.

    Are the insco incurring ongoing costs like a rental / courtesy car? If no, the insco may not really chasing the police - it's in their interest to go slow.... I think the excuse "need a report" is just that, an excuse. Cars are written off every day, and the police are not involved. Also part payments are made.

    Handing over the authority to the insurer means you have given them the car keys and v5 - am i correct? If so they need to pay you - imho.

    Fraud or some other investigation into your car and claim could be happening, possibly by the police, possibly the insurance company, possibly both.

    I would certain lean on the insco - there is nothing (legally) stopping them paying out.

    I often wonder in cases like this if GAP insurance - my insco won't pay - so GAP pays. Paying insurance twice because the first one doesn't do what it is supposed to do.

    Good luck :thumbsup:
     
  12. 27 Mar 2019 at 5:47 PM #12
    T5Pilot

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    TBH, this sounds like delaying tactics.
    Unless the car was recovered & persons subsequently arrested, the insco have no need for the actual crime report. All they need is the crime reference number.
    This is because the police charge the insco for a full report printout. It’s the same for collisions.
    They may well have made the request to the police. That’s not to say they’ve made the payment. I came across this a lot when dealing with insco’s.
    That’s why the police give a 40 day turnaround. It’s not sending the reports, that’s instant, usually electronically. But only once payment has been made.
    I’d put money on the delay being the fact the insco hasn’t paid.
     
  13. 27 Mar 2019 at 6:11 PM #13
    stuartk

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    My colleagues Audi got nicked. Took under 8 weeks to payout.

    All they asked for was crime ref number, chap from insurer came to house to interview him about it. He moaned a bit about time taken. They then paid out.
     
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  14. 3 Apr 2019 at 10:40 AM #14
    dino

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    I've complained to the Department of Professional Standards and received a reply from the Information Rights Unit asking for a reference number which was given to my insurer when they made the request. Hopefully this will speed things along.
     
  15. 3 Apr 2019 at 10:45 AM #15
    PeeTee

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    Post it on their twitter
     
  16. 3 Apr 2019 at 12:44 PM #16
    dino

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    Yes! We are getting somewhere. Seems the complaint to the DPS/IPCC did the trick. I've had a response again today, they've traced my insurers request and a case worker allocated to deal with this asap and I've been assured that it will be with my insurer within a few days at the latest.

    Thanks @Toffeeman for the advice
     
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  17. 3 Apr 2019 at 1:18 PM #17
    Toffeeman

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    Excellent result. Glad to help.
     
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  18. 17 Apr 2019 at 7:06 PM #18
    john ler

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    We had 2 cars taken with keys on 10th December and the one Lund and insured we only got paid out 3 weeks ago, poss little later than that, I mean Ed to Sargent I charge of case everyday, until sorted out, now we a claiming from them, for storage charges we encountered while car in storage, 2 police ares couldn’t talk to one another cost £800 in storage . And insurance would pay until they had sorted everything out, I now wouldn’t p155 on them now, or help them in Amy way, other car £30,000 not found not insured and lost . I even gave proof to police this car was on eBay in 3 days in parts,they wouldn’t do a thing for over a month, now the seller might claim parts seized back from police, even after I can prove parts to the car are mine, bunch of monkeys
     
  19. 17 Apr 2019 at 7:36 PM #19
    YSA107

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    I’ve read this a few times but still have no idea what’s going on ‍♂️
     
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  20. 17 Apr 2019 at 7:40 PM #20
    Mattyw

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    Same here lol
     

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