Insurance problem

brightside229 · 22 Oct 2015 at 11:45

Hopefully some one will have encountered this before, or know something.

2 years ago my girlfriend was involved in a car crash, she was a passenger, not her car, not her insurance, she had a claim which paid out, again not on her insurance.

She went to insure her car online, and it declined, she called the company, hastings, who said its because she did not disclose the crash which is showing on her file as a fault claim put on by her previous insurer, a company called ageas, which she never contact about the crash, nor had any correspondance about the claim. she also received her full no claims at the end of the year with no mention of the crash.

She called ageas today who say yes its on her file, but should not effect her insurance and refuse to remove it, saying they cannot.

This year it has increased her premiums by just shy of £300.

Where does she stand? should she of had a fault claim added to her own insurance?

brightside229 · 22 Oct 2015 at 12:01

Burnsy2023 said:
Have you only spoken to them on the phone? If so write a complaint to them either by letter or email.

If you don't get a satisfactory answer, escalate to the Financial Ombudsman. http://www.financial-ombudsman.org.uk/consumer/complaints.htm

I haven't spoken to them at all, girlfriend rang them, and then rang me after nearly crying because she was so upset they would not remove the claim for her, shes not that good on the phone and did not know what to say and just took their word for it that they could not remove it, i told her to ring them again lodge a complaint and get a refference number and i will get in contact with the ombudsman about it when i get home.

But before i jump ahead of myself just trying to work out if its fair and normal for her to have a fault claim put against her. Seems ludicrous to me, but i have heard how strange insurance can be, its like me being hit by a car while walking my dog, and then finding out that i then have to pay higher premiums because its gone on my insurance record as a claim

brightside229 · 22 Oct 2015 at 12:58

well she has spoken to them again and they have refused to do anything again, and have said to just contact hastings as its up to them if they want to charge more premiums or not, which is a bit of a joke really. Going to message their complaints department tonight when i have all her details as above and then if we still dont get anywhere then go ombudsman route.

brightside229 · 22 Oct 2015 at 16:28

To be honest im not even sure who ageas is, im not sure if her old car insurance policy was with ageas, i know the company she was with was an insurance broker so whether ageas were the company the broker used? not sure, will have to check the paperwork, either that or ageas are the third party's insurance company, i have sent a email to their complaints department so will wait and see what they come up with, fingers crossed i can get it sorted, but even if it turns out it should not be on file, i cant see it being easy to sort out

Edit, she was with quotemehappy, who annoyingly do not take voice calls, its email only.

brightside229 · 2 Nov 2015 at 12:12

Just to follow up i have got no where with ageas complaints department, i sent them a email on 21st October, i got a automatic reply saying they will try and get back to me before next working day, if not it will be within 5 days, i still have had no reply from them, i have sent them another message stating i have had no reply and if i do not hear back from them by next week i will have no choice but to try and resolve it through the ombudsman.