Insurance pains


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So this is how it feels every time I make contact with an insurance company to try and make a legitimate claim. It is the most dispiriting customer delivery experience you can go through after trying to get an apology from Ryanair. Sigh…

The latest in a long line of utterly frustrating experiences came this week. Last Wednesday our car was parked in a resident’s parking bay behind the back of our house. It was a beautiful late sunny afternoon. Carol’s brother Colin was staying with us for a few days and we were chatting/chilling and on the cusp of opening a bottle of deliciously crisp white wine. Our patio doors were open as we were enjoying the warmth of the late summer breezes. Just serene. And then…the idyll was broken by the sound of slowly crunching metal. We dashed out to witness the final moment as a local delivery driver who I see every morning, often chat to and having finished his round, slowly reverse his own car into the back of mine. Arghh.

His car had one of those spare wheels on the back and it had lumped into the rear quarter of our car damaging the bumper, light cluster, rear panel etc. Quite a mess. His wheel cover had a few scratches on it. Awffsake. Sick feeling in the stomach moment. Never mind, he apologised  profusely, decently admitting complete liability (how could he not?). He said he had none of his insurance details with him but would drop them in the following day. I said we were out in London all day (seeing daughter Becksy) so Friday would be better. Ok, he said, see you then, and sorry again. It was all very amicable and neither of us felt any need to hale the police. Bloody annoying yes but all very civil.

Friday dawned and no appearance from the other driver with his details. I knew he wouldn’t have done a runner or something so later on I popped into the local shop for whom he delivers and asked for his tel no so I could call him to get the relevant details. They were reluctant to give it out but offered to get them for me and call me back. Ok fair do’s. Which they eventually did on Saturday. Umm. I was disappointed with the delay but hey, no biggie.

Meantime I’d called my insurance company on the Friday just to get the accident reported and logged. At least I thought I had. Instead I got a long recorded message and minutes later a live employee from an accident management company acting on their behalf. Apparently I still had an option to deal with my contracted insurance company but they probably wouldn’t provide a replacement vehicle whilst the repairs were undertaken and my premiums would probably increase (even though the accident wasn’t my fault). Oh and I might lose my excess for some reason. So an insurance company yet again not quite offering what they claim and not really wanting to deal with me. Ok, I thought I’d deal with the accident management company, provided they could get my repairs sorted quickly and properly, sort us a replacement vehicle whilst the repairs were undertaken and get all the costs recovered from the other party, as it was clearly their fault and liability had been admitted.

Now I’m sure most of you out there will have spoken to an insurance/accident management person in the past – they are doing a mundane job and are scripted and it’s quite painful. I had to go through all my personal details and circumstances of the accident with the doughty Avril who had the annoying habit of saying ‘that’s not a problem’ after every answer I gave her, as if I was responding challengingly rather than factually. Anyway bearing in mind the interview lasted 40 minutes that was quite a lot of ‘not a problems’.

Eventually all the verbal questions and details were all logged and I was informed that someone else from the company would be contacting me to progress arrangements. Ok no problem. Next thing I see in my inbox is a request from the same company asking me to complete a comprehensive accident report form basically answering the same questions I’d just spent 35 minutes answering verbally. But it was sent as a PDF so it couldn’t be filled in online. I had to get it printed off at my daughter’s 20 minutes away and go and collect it the following morning, then fill it in and scan it and send it back to them. Sigh…

The next day a young chap Damian did contact me from the acc/man company. He asked me to go through all my personal details and those of the accident that I’d already given to Avril over the phone and to his company via the completed and returned accident form. ‘It’s just to validate the information Mr Leonard’. You mean double check the answers I’ve already given? ‘Well we do get fraudulent claims and need to cross check details Mr L’.  Sigh. So we went through all the details yet again. ‘And at what speed were you travelling Mr L when the accident happened? For the third time, my car was unattended, parked and stationary in a resident’s parking bay whilst the other car ran into me, I said exasperatedly.

Then after 40 minutes further grilling/clarification we got onto the subject of what happens next. We then strayed into a rather strange area. He asked if I’d be happy to accept a small car as a replacement. No not really. My wife is weeks away from a 3rd knee operation  and needs a car that she can get into without too much difficulty and it has to be automatic for similar reasons. So something like the C class we drive would be fine thanks. ‘Ah well if the repairs took some time that’d probably cost around £1000 per week for a like for like replacement’ he said. ‘Could you easily afford that?’ What’s that got to do with anything? Well it’s about betterment – they (the other driver’s insurance company) will challenge any cost where they think you are obviously feathering the nest. Look I said I just want you to get us a replacement car like the one we have that my wife can drive and get to her hospital appointments. I’m not looking for anything more. Ok no problem Mr L but would you be willing to give us bank statements showing how you can or cannot easily afford a replacement car? No fuck off. OK he said but it will be necessary for Mrs L to complete a report form too as the principal on the insurance agreement. Sigh. The form landed in Carol’s inbox immediately and she completed it later.

Eventually we got onto the arrangements for delivering the replacement car and collecting ours. We can arrange for it to be done this week-end he said. Great! We agreed times and details and then he declared that they had no appropriate spare cars and would have to refer it to a credit car hire company (ie one that reclaims costs from the 3rd party). Sigh. Ok no problem. But before leaving he reminded me that the call was being recorded for training and evaluation purposes and would I be willing to say how good I found the interview process. Yes I said, I found it annoyingly repetitive and unnecessary. Plus I was embarrassed as  married pensioners to be asked whether or not we could easily afford £2000 of hire car charges and be willing to give over our bank statements to prove it one way or the other. So no, sorry Damian I didn’t find it ‘good’. I found it incredibly uncomfortable.

Two hours later I got a call from another young chap Justin from the credit car hire company, who proceeded to explain that his company would now be pursuing the charges against the other driver’s insurance company. Eh?  I was losing the will to live until he then asked if I could relay to him all the circumstances  surrounding the accident, not least what speed was I travelling when the accident happened…arrghh!! Forty minutes later we’d gone through the whole deal again. He seemed happy enough with the details and confirmed the times that the replacement car would be delivered (we’d need to show driving licences and 3 proofs of residency) and our car collected. Hurrah so that’s it? I asked. Well first we’d like you to complete a formal accident claim form just to confirm the details and we’ve actually just sent this to you in PDF format, so can you please print it out, complete and return to us via a scan. Argghh. My daughter E delivered it the next day. Oh and could you please send us separately images of the accident scene and location using Google Earth. And finally this call is being monitored for training and evaluation purposes, so would you be willing to say how good you rated my performance? And please bear in mind that 10/10 is a score that would get me a good rating, 9/10 is probably the lowest you could give me before I get a bad performance marking. Ha! I said. I’ll rate you 9 or 10/10 if you deliver what my expensive comprehensive insurance cover is supposed to deliver Justin: ie perfect repairs and a decent comparable replacement car in the meantime.

If not you’ll catch me banging my head a la Basil Fawlty. Or more likely yours Justin.

Fingers crossed…

pp

 

 

 

 

 

 

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About Paul

Having decided on a change of life by moving home from the UK to Italy, this is the story and thoughts of a man on a personal journey from the Blackpool Tower to the Leaning Tower of Pisa, in search of la dolce vita. After several olive harvests he's now back in London but en route he shares his very personal perspectives on life.

4 thoughts on “Insurance pains

  1. Hate to be the bearer of bad news Paul but potentially even more irritation to follow. Just remember to block the number when they call. Leeds numbers are popular but then so too is London, Basingstoke and yesterday it was Glasgow. Last year while sitting parked in the car I thought I felt a slight nudge. Looking in the rear view mirror I thought the car behind looked a bit close. Got out and the driver had forgotten to apply his handbrake and the front number plate plastic screw had touched the rear bumper. Of course that was enough to send me into a rant as I had only owned it a day. Not new, but impeccably prepared for me by my brother’s garage (Hope Scott. Free plug and delivers UK wide!). The paint hadn’t been broken just the cellulose top coat about a third of the size of your pinky fingernail. Unless you knew where to look, you’d never find it but I insisted on his insurance details. His address sounded familiar. He had bought our late mother’s house about five years earlier.

    Ever since then, and at least once a month, I receive calls telling me I had been involved in a minor accident and the details had been passed to then by some Insurance Association governing body who share information. I’m sure a good number of them are scams because they’ve now started to call my wife, who doesn’t even drive, but I don’t stay on long enough to listen before pressing the block call option. They are convincing because they give you their full name and the legal company they represent but in the end they’re just bloody ambulance chasers.

    • Hi Al
      Great comments and you’re right, I’ve already started to receive callers whose opening line is Mr Leonard I understand you’ve recently been involved in an accident that wasn’t your fault…..
      It’s not enough that they have to drag information out of you many times over but they immediately share (ie sell) your personal info with all and sundry. I despise them and I’m going to have to learn how to block the sodding calls.
      cheers old friend
      pp

    • Ah thanks you Robert. It’s almost a month later and we won’t get our car back until later this week. One interesting update the first car we were given as a replacement was absolutely fine but we had to head north to see my sister who was having a tough time with her post-chemo treatment. Whilst en route we got a call from the hire company to ask if they could have their car back! Well not exactly as we were just heading up the M1 at least 150 miles from home and wouldn’t be back until much later that evening. Why do you want it back we asked – we’ve actually sold it and shouldn’t have sent it to you. Ha! Well you can collect it tomorrow but we’d like another replacement of course. No probs. Sure enough they turned up the next day to collect and replace it with a car which they haven’t sold. You couldn’t make this stuff up!
      pp

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