Can I put a password?

Phate

Phate

Phate

Caporegime
Joined
1 Nov 2003
Posts
35,691
Location
Lisbon, Portugal
Hi All,

Churchill is my old insurance company, and they haven't payed me out yet, but some of you may seen the thread about my mate wanting to claim compensation (even though he doesn't have a case) from the accident.

Now he has sent a formal letter to me asking to forward it onto Churchill so he can make his claim.

I have my reasons for not wanting/letting him claim, so I binned the letter.

But I've just had a thought,

does anybody know if I can put a password on my Churchill policy so he can't access it?

All they ask for is

Full Name
First line of address and post code
home telephone number.

Now considering he posted me a letter, and he definitely has all those details and could ring them himself and say my "friend" is going to claim compensation etc.

So if anyone off the top of their head knows if it's possible and could let me know it'll be great :)

This thread seemed most appropriate in Motors.

Cheers Guys :)
 
6thElement said:
Someone in India will be up ready to take your call.
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I'm going to ring them tomorrow...

Strangely it's always the irish I end up talking to :p
 
I don't see how putting a password on your policy would help you at all.

He's only ever going to need your name and possibly registration to initiate a claim against you. You don't get to decide whether someone is owed compensation, that's the job of the claims assessor.
 
Andy100 said:
I don't see how putting a password on your policy would help you at all.

He's only ever going to need your name and possibly registration to initiate a claim against you. You don't get to decide whether someone is owed compensation, that's the job of the claims assessor.
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Well he wants to claim compensation under my current existing claim. So apparently he just needs me to contact the insurance company and forward them the letter and job done.

Now on the letter it didn't have anywhere to say that I had signed it.

All he's got to do is ring them up, give them details, and post the letter....and he can do his own compensation claim, under my existing claim without me knowing....

Nice isn't it?

When we were discussing it he even said

"Just ring them, and send the letter....and I'll do the rest"

Yeah like hell he will.

This is why, say if he rings them and they say thank you for the above details...please give me the 2nd and 8th charactor of your password...he will be stumped, and it'll stop him from "doing the rest"

If he wants to claim against me then he is more than welcome....as I said, he doesn't have a case.
 
Phate said:
If he wants to claim against me then he is more than welcome....as I said, he doesn't have a case.
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So whats the problem :confused:

I don't think he'll be able to just ring up, pretend to be you and get them to give him some money, it may be a tad more complicated than that. He'll have to make a claim, which he can do whether you've got a password or not..
 
If he makes a claim for personal injury as a result of your accident, then he does NOT need a 'password', or infact any details other than your address and registration number. It's also not really your choice whether he does so or not, it is down to the insurers themselves, and possibly the court system, to decide if he deserves compensation.

It won't really affect your premium, though, as it'll just go down on your existing claim.
 
It won't really affect your premium, though, as it'll just go down on your existing claim.
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I really cannot see why you are blocking his claim??? You are not going to lose out on any further money!! If your mate genuinely had a loss-of-earnings due to your accident then you 'owe' him.

He doesn't sound like a particularly good mate anyway, that said- what is to stop him taking you to court to get the compensation money if you block him in every legal attempt to claim?? Just 'binning' his formal and LEGAL request for details on the accident is surely illegal?
 
It will go down on your existing claim either way dude. Whether he files his own claim, or whether it goes through with yours (literally just a matter of the method/line of processing), the outcome will be exactly the same. You will receive a payout whilst his is being assessed (personal injury claims take a lot longer).
 
ci_newman said:
If your mate genuinely had a loss-of-earnings due to your accident then you 'owe' him.
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This is where he doesn't have a case.

He was paid by work for the time he had off.
 
Adam said:
Whats he wanting to claim for? Why don't you think he has a case?

Another sketchy cryptic thread by Phate... :)
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Sketchy and cryptic?

I asked a simple question and you guys probed it...turning it into a thread with unanswered questions as I'm at work ;)

And he wants the claim to do a project on his car....
 
by binning the letter you run the risk of your insurer/their solicitors not accepting service of your 'mates' claim, it being issued against you directly, you ending up with a judgement to pay the settlement amount from your own pocket and then chasing your own insurer for it lol

what are the circumstances? i used to work in insurance litigation, i can give you a run down of what you can do. one thing you cant do is attempt to stop your 'mate' from having a claim against you because you feel that 'he doesnt have a case' lol

not for you to decide that
 
Phate said:
This is where he doesn't have a case.

He was paid by work for the time he had off.
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He can claim for numerous things other than loss of earnings.

Phate said:
And he wants the claim to do a project on his car....
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So what? He can spend the money on what he likes.
 
Matt82 said:
what are the circumstances?
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Circumstances are i want to forget about the entire thing and he just wants some easy money for his car, he was signed off work and is now back working, and work paid him for his time off aswell.

I'm not comfortable with him making a compensation claim using my insurance claim. I don't know the in's and outs of it, the whole process seems a little to easy.

The fact that he's making a claim and drove to my house and hand delivered the letter shows that he just wants to see if he can get some easy cash.
 
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