Author Topic: Car insurance re-opened claim after 19 month saying my NCB has reduced  (Read 851 times)

0 Members and 0 Guests are viewing this topic.

iispartan

  • Jr. Member
  • **
  • Posts: 70
  • Karma: +1/-0
    • View Profile
Car insurance reopened my claim after 19 months with this email - please help

I got in to a car accident back in June 2022 and we both claimed on our insurance. Initially, the case was found in my favour and I received an email from Admiral 8 months after saying that my NCB has not been affected and I was “non fault”. Today I received an email saying it has been reopened and settled and now my NCB will reduce.

 I have moved away from admiral over a year ago and I have already payed my renewal with another provider due to start on 15 Jan with my non fault claim and 4 years NCB. I’m not quite sure what this email even means - doesn’t give me an explanation or tell me who’s at fault or whether it’s 50/50.

My question is, do I need to tell my new insurance about this? If I want to appeal this decision, how do I go about doing this? Can I still proceed with my new insurance until this case is settled as I plan to contest.

Link to email correspondence
https://imgur.com/a/E6TxbGJ
« Last Edit: January 08, 2024, 10:27:40 pm by iispartan »

Share on Facebook Share on Twitter


666

  • Full Member
  • ***
  • Posts: 152
  • Karma: +0/-2
    • View Profile
Re: Car insurance re-opened claim after 19 month saying my NCB has reduced
« Reply #1 on: January 09, 2024, 03:38:45 pm »
Yes, you need to tell the new insurer.

The first step in 'appealing' would be to follow the (old) insurer's complaint procedure. You can go to the Ombudsman, but only once you've exhausted that procedure.

BTW the letter of Feb 2023 made it very clear that the claim might be re-opened.

cp8759

  • Administrator
  • *****
  • Posts: 4894
  • Karma: +113/-4
    • View Profile
Re: Car insurance re-opened claim after 19 month saying my NCB has reduced
« Reply #2 on: January 29, 2024, 12:47:31 am »
You really need to find out from Admiral why they've reopened the claim, and on what basis they've decided it's a fault claim. Without this information we really can't say anything more as we've got nothing to work with, and there's no point in speculating.
I practice law in the Traffic Penalty Tribunal, London Tribunals, the First-tier tribunal for Scotland, and the Traffic Penalty Tribunal for Northern Ireland, but I am not a solicitor nor a barrister. Notwithstanding this, I voluntarily apply the cab rank rule. I am a member of the Society of Professional McKenzie Friends, my membership number is FM193.

Quote from: 'Gumph' date='Thu, 19 Jan 2023 - 10:23'
cp8759 is, indeed, a Wizard of the First Order

H C Andersen

  • Hero Member
  • *****
  • Posts: 1099
  • Karma: +23/-9
    • View Profile
OP, pl put the accident to one side.

Your insurance with Admiral was due to terminate on ***.
You received from them a renewal notice which:

* either referred to you being on auto-renew, and that they would continue your insurance with them at the stated price and payment terms subject to you confirming that your cover and circumstances were unchanged, or 

*- asked you to confirm the terms offered.

In either case Admiral would have stated clearly your qualifying years of NCD.

So which happened and what did you do with Admiral?

Ultimately you chose to not continue with them and contracted with another provider as part of which process you would have been asked to declare the number of years' No Claims Discount which had to be that which was stated in Admiral's notification. Your new contract also requires you to advise your insurer of any changes from your declaration e.g. mileage, medical status, NCD failure to do which could invalidate your insurance.

But your post confuses matters without specific dates. The key question is: prior to taking out your current policy, who was your insurer and when they notified you that your policy was ending to how many years' NCD did they say you were entitled in your renewal quote? For all we know, Admiral was your last-but-one insurer, in which case you were obliged to notify your current insurer of your previous provider's figure. I don't see that you have to go beyond this.

But you might want to. I very much doubt that your new insurer would be very interested.
« Last Edit: March 26, 2024, 12:42:04 pm by H C Andersen »

sparxy

  • Jr. Member
  • **
  • Posts: 99
  • Karma: +1/-0
  • [ib90xi8p]
    • View Profile
The new insurer may be interested if OPs claim was originally a "non fault" but now shows as "fault" on the database... that's the issue.

It's also been two months, so OP probably would have posted back if they'd come and made it difficult!

iispartan

  • Jr. Member
  • **
  • Posts: 70
  • Karma: +1/-0
    • View Profile
Apologies all, I have missed these posts but I thought I’d give an update. I’ll try set out the timelines from the very beginning. But long story short, I’m currently with a new insurer and I have declared the claim as “At Fault”. However, I’m getting contradicting views from Admiral, who first say I was At Fault, but then they send me my proof of NCB with claim details updated and within that it states “Non Fault”. I’ve been thinking about forwarding this email to my new insurers to say that I’m Non Fault to reduce my premium, but I’m wondering whether on the database it states I’m at fault so wanted to be safe. Basically, I’ve kinda given up with communicating with the insurers as my new insurance actually offered me a decent deal even with an “At Fault”.

27th June 2022 - Accident happened and initially told me I was at fault

15th Jan 2023 - left Admiral and renewed with another insurer GoSkippy where I put down that I was “At fault”

24th Feb 2023 - Admiral emailed - no claim made so non-fault (see imgur link in initial post)

24th Feb 2023 - told my new insurers GoSkippy to update details to say “non-fault” received a slight discount as a result

8th Jan 2024 - received email from Admiral that TP claim has been made so case re-opened and found I’m at fault and have settled the case. (see imgur link in initial post)

10th Jan 2024 - I complained and disputed, especially how they didn’t inform me of the re-opening and decided to settle and only now 5 days before my insurance is supposed to renew they drop this on me. I was told on the phone that my NCB will not be impacted, I asked if they can send me confirmation via email what my NCB is.

12 Jan 2024 - Admiral send me Proof of NCB email, which states at the time I had 3 years NCB, and it also stated the details of the claim which states ‘Non Fault’ (see pic #4: https://imgur.com/a/FGAZ29i)

15 Jan 2024 - response from Admiral saying that I was at fault based on how events were described, but agreed they could’ve handled it better by informing me when TP claim was made. Offered £100 compensation. Also highlighted my NCB will not be impacted. (see pics #1-3: https://imgur.com/a/FGAZ29i)

15 Jan 2024 - GoSkippy offered a ridiculously high renewal after I told them about the re-opening claim which was ‘At fault’ so I renewed with yet another insurance provider Aviva Green with my details updated to “At fault” just to be safe.

20th Jan 2024 - GoSkippy send me proof of NCB with 4 years (last pic: https://imgur.com/a/FGAZ29i)

slapdash

  • Sr. Member
  • ****
  • Posts: 349
  • Karma: +3/-0
    • View Profile
The level of NCB and whether or not you are "at fault" in any claim are not definitively linked.

eg your NCB won't generally change with an at fault claim if it's protected.
« Last Edit: April 07, 2024, 05:58:35 pm by slapdash »

iispartan

  • Jr. Member
  • **
  • Posts: 70
  • Karma: +1/-0
    • View Profile
My NCB wasn’t protected, but they confirmed that it won’t be impacted as I had left Admiral before they made their final decision so still managed to keep my NCB.

My main question now is… based on Admiral’s email re Proof of NCB, it also states that I was “Non Fault”. However previous correspondence implies that I was at fault… can I therefore assume that this would go down as non-fault and I can tell my new insurer that it was in fact non-fault? Admiral keep contradicting themselves

slapdash

  • Sr. Member
  • ****
  • Posts: 349
  • Karma: +3/-0
    • View Profile
All you can really do is ask your new insurer, if you don't like the answer then raise a formal complaint.

mickR

  • Full Member
  • ***
  • Posts: 105
  • Karma: +2/-0
    • View Profile
"My main question now is… based on Admiral’s email re Proof of NCB, it also states that I was “Non Fault”. However previous correspondence implies that I was at fault… can I therefore assume that this would go down as non-fault and I can tell my new insurer that it was in fact non-fault? "

if this was thier last correspondence. I would take that as being the answer. why should you keep questioning them?