insurance policy

[caila25]

in 2007 i took out a insurance policy with a company and during this time at my work place a friend was involved i a car collision with another party, a few weeks later i got a letter from my insurance saying my premium has gone up because of the accident. i called them for weeks to get this sorted and tell them i had nothing to do with it and was no where near even my friend called to advise them and finally i got a phone call saying it was sorted. in the last month or so i have took out a new policy and they have demanded a extra premium because i didnt declare my claim. i called my previous insurance and they have stated it will take weeks for this to be sorted so now my new policy will be cancelled if i dont pay it and also all my insurance policys for the last 3 years have been double what i would have normally paid, is there any kind of compensation i can claim or anything i can do as this is wrong

[dothawkes31]

was this on a private car park by any chance?

[factor-fiction]

This friend that was driving- was it your boyfriend- the one you have posted about previously?

I think you are saying someone had an accident and then lied to the insurers saying it was you not them who was driving. Did the police agree you weren't driving? Was there ever anything in writing from the insurers to say you were driving and then confirming you were in the clear?

[caila25]

no it wasnt my boyfriend that is a seperate matter. i cant remember if i got anything in writing it was so long ago its just annoyed me the fact its still there on my file and ive been paying really high insurance. it was in a office car park

[dothawkes31]

was the other vehicle reversing? For this claim to still be on your file you will have had to have filled in all sorts of paperwork

[caila25]

my friend was reversing out of parking space and the other party hit her car with his van according to my friend. i cant remember if i filled out any paper work i think i did i had to explain what happened but all i could say was that i left work and next day my friend told me what happned

[bednobs]

was this your car? I'm sorry to be so dim, but it really isn't making sense to me. Who on earth contacted your insurance company? If it was the van driver - how did he know who you were insured with?

[dothawkes31]

I think your lying devious thoughtless friend owes you alot of money

[caila25]

she was reversing her car and the other driver was in his van he was a contractor at my work thats all i know next thing i get letters and phone calls saying i was driving. ive actually just messaged her on facebook to ask her about it coz its really annoyed me

[jackthehat]

Why did you fill in papaerwork for a crash nothing to do with you ?

[ChuckFickens]

was your car damaged at all in the accident between your friends car and the van?

[boxtops]

I really don't understand this

you friend was reversing in her own car
a third party came along and there was an accident

if it was your friend's car, why would she say you were driving, it would be her insurance involved, not yours.

[dothawkes31]

If she gave a false name the car reg would have blown that scam out the water. Maybe she is thick and didn't realise that at the time.

[bednobs]

but HOW did anyone (apart from you) know who your insurance company was????

[factor-fiction]

I wonder if we are all wasting our time on this. It just doesn't add up to me.

[caila25]

i filled in a form saying i had nothing to do with the accident i wasnt anywhere near her car or the van i had already gone home i dont know how they new my insurance company or what it has puzzled me and my family at the time i was ready to kill her but i thought it had been sorted out as i got phone call from insurance syaing i wouldnt get anymore letters and y premium was the same it wasnt untill i recently took out new insurance and they demanded extra payment because of what happened in 2007 but again it wasnt me bizzare in it

[dothawkes31]

I thought I nearly understood it but the fact that the insurance company wrote to caila a few weeks after tghe accident saying the premium had gone up is odd, as it takes longer than that to settle a claim when it's your own car and you were driving it, i would imagine it takes longer to sort out when someone has said they are you or when someone thought it was you

[bednobs]

you just said your premiums have gone up for 3 years then said they only went up recently

[caila25]

no factor it doesnt add up at all thats why i posted it on here to try and get some sense of it, but everyone is as confuffled as me

[caila25]

no bed every time i would get a quote for my car over last 3 years the total premium has been much higher than ever and i couldnt work out why its only recently my new insurance have told me why

[twix123]

I know that this is confusing and doesn't seem to make sense, but to get down to the nitty gritty of the matter the sensible option is for you to look at your insurance policy and find the address of their Complaints Department which must be included in the documentation. Write to them complaining that you appear to have been overcharged either for this renewal and/or for the previous 3 years. Under the FSA regulations, they are obliged to give you at least an acknowledgement within 5 working days and thoroughly investigate the matter. Although this may drag on for some time, they have to keep you informed every 4 weeks until the situation is resolved. After they have sent their final answer to your problem, they will also include details of how to approach the Financial Ombudsman Service, which you can then approach to adjudicate should you not agree with the insurers response.