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by Rex_tulips - 30/07/25 07:59 PM
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Forums34
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Aug 24th, 2023
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Joined: May 2007
Posts: 75
Just Getting Started
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Just Getting Started
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Reading all this has highlighted so many of the flaws and incongruities of the moden, essentially unregulated, insurance industry.
It seems that one consequence of the market's obsession with "the lowest possible cost" is that the service providers seek to mitigate their costs and pass them on to anybody. It is fine if you fit the majority model, but not otherwise.
The insurance industry is heavily regulated but if you want actual satisfaction you will have to work for it as capitalism, inertia and stupidity rule! The final arbiter is the Courts, but for policyholders you will likely get more (and cheaper) satisfaction from the Insurance Ombudsman. JohnV6 needs to keep both his and the 3rd party insurer on point and get the car repaired to his complete satisfaction. (Motor insurance in the UK is loss-making, so all of the companies squeeze repair/client costs as hard as possible. Current government fiscal policies mean that making a margin on the cash balances is impossible, which used to be where their profit came from). Remind the third party insurer that you always have the ability to sue the 3rd party for your full costs to restitution. It's messy and slow but they are on the hook. The test in Court is always 'is it reasonable" and "did you mitigate your costs, where you were able"; for a specialist car a specialist repairer is usually reasonable. I would trade a posh hire car for the repairer of my choice.
Last edited by Jeremy Edwards; 30/08/20 10:58 PM. Reason: added about Court tests
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Jeremy Edwards
1972 Morgan 4/4 2 str
Melton Mowbray
England "Almost but not quite unlike tea"
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Joined: Apr 2008
Posts: 11,868 Likes: 138
Scruffy Oik Member of the Inner Circle
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Scruffy Oik Member of the Inner Circle
Joined: Apr 2008
Posts: 11,868 Likes: 138 |
We moved insurers the following year to NFU. They don't use 3rd party claims handlers.
NFU are flippin' brilliant, we have everything insured with them apart from the Morgan, which is with Headley. I wouldn't willingly go anywhere else. Saving a few quid here and there is all very well for some things in life, but not when it comes to insurance. Buy a decent product and get a decent service. The horror stories I've heard of claims handlers is just so depressing, and underlines why legal protection is always worth adding to the policy.
Tim H.
1986 4/4 VVTi Sport, 2002 LR Defender, 2022 Mini Cooper SE
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Joined: Jul 2007
Posts: 26,760 Likes: 425
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Well I have legal protection as well. Time will tell.
JohnV6
2022 CX Plus Four
2025 MG ZS EV aka Trigger
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Posts: 26,760 Likes: 425
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A quick update after just over 6 months I got paid out today.
It took a long time because :-
1. the 3rd party insurers insisted on 2 quotes which meant transporting the car around.
2. the parts lead time from MMC during COVID
3. the car was finished in the first week of Jan but the deal I had with the dealer who bought it was to pay me once he was paid.
4. Karen & Headly pushed like hell & 2 months later the money has arrived.
What fun but at least it is now sorted.
JohnV6
2022 CX Plus Four
2025 MG ZS EV aka Trigger
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Joined: Nov 2015
Posts: 7,910 Likes: 242
Just barreling along Talk Morgan Guru
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Just barreling along Talk Morgan Guru
Joined: Nov 2015
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John, are you keeping the Brooklands, and the repairer selling the 3.0ltr ?
Jon M
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JohnV6
2022 CX Plus Four
2025 MG ZS EV aka Trigger
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