Author Topic: Car insurance re-opened claim after 19 month saying my NCB has reduced  (Read 239 times)

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iispartan

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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 »

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666

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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

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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 am not on the "motorists's side", nor am I on the "police/CPS/council's" side, I am simply in favour of the rule of law. Section 6 of the Interpretation Act 1978 applies to everything I post as it would apply to an Act of Parliament. I am a Conservative councillor, this means some people think I am "scum". I am not a lawyer.

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