Insurance problem

I'd tend to agree with ScottiB and say get some proper advice - although I'd first suggest going back to whoever the broker was at the time of the accident and get them to ask Ageas why a claim is on her file when she wasn't the driver and it didn't involve the vehicle she was insured for!

I'd imagine they will be able to get Ageas to remove the claim completely! (I know Ageas told you/her that they couldn't but this might have been because the policy will have been done through a broker rather than directly with the policyholder!)
 
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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.
 
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Given that this is claim related call their existing claims number & see if they had logged anything. My guess is they have not.

As for Ageas, don't take the word of the idiot that takes the initial call. I've done their job and 75% of them just dont give a **** & will not look into anything until complaints start to get logged as complaints will get audited.
 
again, ignore the keyboard warriors.

I spoke with my fiancee, what she thinks is the most likely is that the original insurer who she claimed from made a mistake and entered a claim onto the Claim Underwriters Exchange (CUE) database with your girlfriend as the primary claimant. This would be more likely if the cars were repaired privately or the injury claim was done separately. It's unlikely that your girlfriends insurer did anything wrong so you are speaking to the wrong people.

First thing that she needs to do is to speak with the insurer with whom she had the claim and get written proof that she was only a passenger in the incident. Once she has that either that insurer or her insurer (you must speak to the insurer not their broker or underwriter) to apply to get the claim corrected/removed from her file.

As for the issue regarding being refused insurance, once the error is removed from her file she advised that you should, to prevent any issue, disclose the refusal but explain that it was due to an error on her file which has been resolved.

I hope this helps. Sorry that there isn't a quick and simple answer, you're going to have to do some ringing around but at least there is a solution.
 
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ScottiB said:
(you must speak to the insurer not their broker or underwriter)
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Ageas is not a broker, if he logs a complaint with them then someone who actually knows what they are doing will get to look at it instead of someone in their call centre who just wants to get out of the doors at the end of the shift. He hasn't spoken to his girlfriends insurer, they have spoken to Ageas, his girlfriends insurer is/was a web based broker for Aviva.

But yes, someone has stuffed up.
 
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ScottiB said:
again, ignore the keyboard warriors.
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Love this advice on a forum! :p

I usually only post when I know what I'm talking about - makes zero difference to me whether anyone listens - just trying to help!

(oh and btw, insurance professional here - letters after my name and everyfin'!! :D)
 
Seriously zod think. The most likely source of the error is the insurer with whom she made her injury claim. Unless that insurer also happens to be handled by Ageas then all they can see is the CUE database. No amount of complaining will help with that, they'll just ask her to prove that there is an error on her file.

You may have worked in the industry at some point but I'm sitting next to a qualified person who still does.

It's best if she goes back to the likely source to cleanse the error
 
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Not read the replys but I has a similar problem and a letter off the solicitors sorted it out. Had same problem the next year so I had to do it again
 
ScottiB said:
again, ignore the keyboard warriors.
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Several of the people I can see replying in this thread, some of whom appear to have had a disagreement with you which has presumably prompted the keyboard warrior thing, actually work in or have worked in motor insurance....
 
ScottiB said:
Seriously zod think.
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I have thought. Ageas is the insurer the information has come from, he stated that. Ageas are not a broker, you cannot get an Ageas branded policy as Ageas only trade via brokers. The injury claim will have been through Ageas.

I've been through a broker on an Ageas underwritten policy before when a van drove into the side of me who was also on a policy from a different broker but also underwritten by Ageas, the broker had nothing to do with the claim, I spoke to Ageas directly & It was Ageas that I had my arguments with when they tried to give me £300 for an £800 car. My subsequent cheque came from Ageas. I have the Enterprise Rent-A-Car document in my hand from the hire car they gave me, it quite clearly states Ageas Insurance paid for that too.

My broker was however called "Done Deal".

Oh yeah, just looked at John Lewis car insurance, they are underwritten by Ageas, it clearly states that so how your Fiancée is telling you they are a broker boggles my mind.
 
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no, he didn't, he said that his girlfriends insurance was with Ageas

brightside229 said:
her previous insurer, a company called ageas,
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but his girlfriend claimed from somebody else's policy.

brightside229 said:
she was a passenger, not her car, not her insurance, she had a claim which paid out, again not on her insurance
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There is a chance that that policy was also with Ageas but it would be a coincidence if it was.

I would agree with you tenfold if it was the case but she needs to get proof that she was only a passenger in the accident and she wont get that from her own previous insurer.
 
merlin said:
If you're referring to me then I have 26 years experience in the insurance industry.
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wow, paranoia much, do you get accused on this often? ;)

No, I was actually referring to the suggestions that he call his girlfriend's previous insurer to bitch and moan, spouting the Data Protection Act, which ironically, means that they won't talk to him anyway.
 
ScottiB said:
no, he didn't, he said that his girlfriends insurance was with Ageas

but his girlfriend claimed from somebody else's policy.
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Read post 22. He dug out the old documents, his girlfriend was with quotemehappy, a broker for Aviva. Therefore the only logical conclusion is Ageas is either the insurer of the driver who's car she was in or the other involved party. Therefore they need to have a complaint logged with Ageas as until they have followed that procedure the FCA won't be interested in the slightest.

At no point have i suggested calling Aviva apart from calling their claims department just for confirmation that they have nothing to do with this.
 
But she didn't claim on her own insurance, she claimed on someone else's and that insurance company hasn't been mentioned. It's unlikely that her insurer created the erroneous entry on the CUE database. Her insurer could remove the entry but they'll probably insist that she has proof that she was only a passenger.
 
ScottiB said:
But she didn't claim on her own insurance, she claimed on someone else's and that insurance company hasn't been mentioned. It's unlikely that her insurer created the erroneous entry on the CUE database. Her insurer could remove the entry but they'll probably insist that she has proof that she was only a passenger.
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You haven't read this thread have you?
 
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.
 
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