ddforum89
New Member
Hi All,
I've had a couple of stressful phone calls with my insurer (esure) this morning and after being transferred back to the switchboard several times I am hoping someone can offer advice.
I was involved in a DD RTC in October (I hit a Local Authority owned street post), the police notified esure and the Local Authority at the time of the incident. I declared my car SORN shortly after and I attempted to cancel my insurance policy in November as I pay in monthly instalments (approx £60/month policy ends in July 2021). I sold the car in December. I was advised by esure that the policy could only be suspended and not cancelled from the date that I declared the car SORN, as they had to keep the policy live for 90 days in case the Local Authority made a claim. I was told that anything I paid towards my premium after the date of suspension would be refundable if esure did not deal with a claim arising from the Local Authority.
I was also advised by my insurers that they would notify me if any third party claim was made and that I could deal with any claim directly without involving the insurer, thereby preserving my NCD and effectively cutting out the middleman - I see no point in the insurer being involved if they are only going to chase me for payment afterwards. I specifically requested that esure did not attempt to deal with this claim, and that they instead let me deal with this directly.
I was then convicted of DD by Magistrates in December.
I called esure earlier today and they have advised me that the third party did make a claim at the start of December (first I've heard of it) and this is now with their loss adjusters and 'now the ball is rolling' they have to settle it themselves. Esure are now saying that I cannot deal with this directly. I have been told that as I was convicted of DD I am liable for the third party costs, but will I also be liable for any additional costs (insurers time, loss adjusters etc.)? This is still unclear after several phone calls with esure. The claim for the damage to the post is approx £2.5k. Esure are not letting me cancel the policy, and are still claiming that I must continue to pay the £60/month for a car that I do not even own.
Ideally I would like the Local Authority to not include esure at all in their claim. I have contacted the Local Authority to see if I can deal with this directly, but I have not heard back yet. If the Local Authority is willing to let me deal with this directly is there any need for my insurers to be involved? I feel like involving esure invites the costs to spiral out of control at this point and I am being forced to pay insurers for something that could be resolved more easily and efficiently by myself, at lower cost.
I disappointed that esure continued down this path despite my reassurances in November that this would not happen.
Thanks in reading, please could anyone offer advice?
I've had a couple of stressful phone calls with my insurer (esure) this morning and after being transferred back to the switchboard several times I am hoping someone can offer advice.
I was involved in a DD RTC in October (I hit a Local Authority owned street post), the police notified esure and the Local Authority at the time of the incident. I declared my car SORN shortly after and I attempted to cancel my insurance policy in November as I pay in monthly instalments (approx £60/month policy ends in July 2021). I sold the car in December. I was advised by esure that the policy could only be suspended and not cancelled from the date that I declared the car SORN, as they had to keep the policy live for 90 days in case the Local Authority made a claim. I was told that anything I paid towards my premium after the date of suspension would be refundable if esure did not deal with a claim arising from the Local Authority.
I was also advised by my insurers that they would notify me if any third party claim was made and that I could deal with any claim directly without involving the insurer, thereby preserving my NCD and effectively cutting out the middleman - I see no point in the insurer being involved if they are only going to chase me for payment afterwards. I specifically requested that esure did not attempt to deal with this claim, and that they instead let me deal with this directly.
I was then convicted of DD by Magistrates in December.
I called esure earlier today and they have advised me that the third party did make a claim at the start of December (first I've heard of it) and this is now with their loss adjusters and 'now the ball is rolling' they have to settle it themselves. Esure are now saying that I cannot deal with this directly. I have been told that as I was convicted of DD I am liable for the third party costs, but will I also be liable for any additional costs (insurers time, loss adjusters etc.)? This is still unclear after several phone calls with esure. The claim for the damage to the post is approx £2.5k. Esure are not letting me cancel the policy, and are still claiming that I must continue to pay the £60/month for a car that I do not even own.
Ideally I would like the Local Authority to not include esure at all in their claim. I have contacted the Local Authority to see if I can deal with this directly, but I have not heard back yet. If the Local Authority is willing to let me deal with this directly is there any need for my insurers to be involved? I feel like involving esure invites the costs to spiral out of control at this point and I am being forced to pay insurers for something that could be resolved more easily and efficiently by myself, at lower cost.
I disappointed that esure continued down this path despite my reassurances in November that this would not happen.
Thanks in reading, please could anyone offer advice?