So - my daily driver insurance renewal with the AA is due for renewal.
Last year it was £197.61. This year the renewal is £326.08.
The price change reflects the claim I have made in the last 12 months.
Well I have indeed made a claim against the lady the drove into th side of me when I was minding my own business in the inside lane of the M4 in November. She admitted she was at fault and I have a number of emails from her apologising. The damage to my14 year old car was fairly superficial, but would still cost £650. Initially she told me would settle privately but after getting a quote for her own car she decided to go through insurance. She has told me that she has had her car repaired. So I duly reported the incident to my insurers, the AA. I told them that if her insurers were not prepared to accept liability then I didn't want to pay the £175 excess to get the minor scratches repaired. So a few weeks ago I called the AA to find out what was happening. They told me that they had made a claim against her insurer Direct Line but had received no admission of liability but Direct Line had 3 months to respond. Then yesterday I received an email from the AA saying the claim had been subrogated as I had not made a claim!
I had actually diarised it to call them today, but in light of the email called them yesterday. Initially they tried to tell me that until I had incurred a loss, ie had actually incurred a loss, ie get the repair done paying the £175 excess, there was actually no claim. I told them that was ridiculous as if the other party didn't accept liability I wouldn't go ahead with the repair. Delving a bit deeper they discovered Directline had no record of a claim from the lady, although she had told me that she had claimed and had her car repaired. I have no reason to doubt her as she had told me who her insurer was. The AA wondered if maybe she had done it all through a broker.
Delving deeper the AA then told me Directline had written to the lady asking for comments and had received no reply within the 14 days allowed. So I have the AA on that case now.
However it has been like drawing hen's teeth. I am involved in a collision entirely not of my fault. My insurer seems to just wash their hands of it until I put pressure on them. I have received no recompense, yet they decide to increase my premium by nearly 70%.
Somewhere their system is somewhat faulty
Last year it was £197.61. This year the renewal is £326.08.
The price change reflects the claim I have made in the last 12 months.
Well I have indeed made a claim against the lady the drove into th side of me when I was minding my own business in the inside lane of the M4 in November. She admitted she was at fault and I have a number of emails from her apologising. The damage to my14 year old car was fairly superficial, but would still cost £650. Initially she told me would settle privately but after getting a quote for her own car she decided to go through insurance. She has told me that she has had her car repaired. So I duly reported the incident to my insurers, the AA. I told them that if her insurers were not prepared to accept liability then I didn't want to pay the £175 excess to get the minor scratches repaired. So a few weeks ago I called the AA to find out what was happening. They told me that they had made a claim against her insurer Direct Line but had received no admission of liability but Direct Line had 3 months to respond. Then yesterday I received an email from the AA saying the claim had been subrogated as I had not made a claim!
I had actually diarised it to call them today, but in light of the email called them yesterday. Initially they tried to tell me that until I had incurred a loss, ie had actually incurred a loss, ie get the repair done paying the £175 excess, there was actually no claim. I told them that was ridiculous as if the other party didn't accept liability I wouldn't go ahead with the repair. Delving a bit deeper they discovered Directline had no record of a claim from the lady, although she had told me that she had claimed and had her car repaired. I have no reason to doubt her as she had told me who her insurer was. The AA wondered if maybe she had done it all through a broker.
Delving deeper the AA then told me Directline had written to the lady asking for comments and had received no reply within the 14 days allowed. So I have the AA on that case now.
However it has been like drawing hen's teeth. I am involved in a collision entirely not of my fault. My insurer seems to just wash their hands of it until I put pressure on them. I have received no recompense, yet they decide to increase my premium by nearly 70%.
Somewhere their system is somewhat faulty
so that the AA can then threaten Directline with litigation to get them moving. I am however no resigned to having to pay the premium though that leaves me with little negotiating position for any revised quotation once all is settled.
