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#Post#: 13491--------------------------------------------------
Car insurance re-opened claim after 19 month saying my NCB has r
educed
By: iispartan Date: January 8, 2024, 4:13 pm
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Car insurance reopened my claim after 19 months with this email
- please help
I got in to a car accident back in June 2022 and we both claimed
on our insurance. Initially, the case was found in my favour and
I received an email from Admiral 8 months after saying that my
NCB has not been affected and I was “non fault”. Today I
received an email saying it has been reopened and settled and
now my NCB will reduce.
I have moved away from admiral over a year ago and I have
already payed my renewal with another provider due to start on
15 Jan with my non fault claim and 4 years NCB. I’m not quite
sure what this email even means - doesn’t give me an explanation
or tell me who’s at fault or whether it’s 50/50.
My question is, do I need to tell my new insurance about this?
If I want to appeal this decision, how do I go about doing this?
Can I still proceed with my new insurance until this case is
settled as I plan to contest.
Link to email correspondence
HTML https://imgur.com/a/E6TxbGJ
#Post#: 13510--------------------------------------------------
Re: Car insurance re-opened claim after 19 month saying my NCB h
as reduced
By: 666 Date: January 9, 2024, 9:38 am
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[sup][/sup]Yes, you need to tell the new insurer.
The first step in 'appealing' would be to follow the (old)
insurer's complaint procedure. You can go to the Ombudsman, but
only once you've exhausted that procedure.
BTW the letter of Feb 2023 made it very clear that the claim
might be re-opened.
#Post#: 14505--------------------------------------------------
Re: Car insurance re-opened claim after 19 month saying my NCB h
as reduced
By: ivanleo Date: January 28, 2024, 6:47 pm
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You really need to find out from Admiral why they've reopened
the claim, and on what basis they've decided it's a fault claim.
Without this information we really can't say anything more as
we've got nothing to work with, and there's no point in
speculating.
#Post#: 18347--------------------------------------------------
Re: Car insurance re-opened claim after 19 month saying my NCB h
as reduced
By: H C Andersen Date: March 26, 2024, 7:34 am
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OP, pl put the accident to one side.
Your insurance with Admiral was due to terminate on ***.
You received from them a renewal notice which:
* either referred to you being on auto-renew, and that they
would continue your insurance with them at the stated price and
payment terms subject to you confirming that your cover and
circumstances were unchanged, or
*- asked you to confirm the terms offered.
In either case Admiral would have stated clearly your qualifying
years of NCD.
So which happened and what did you do with Admiral?
Ultimately you chose to not continue with them and contracted
with another provider as part of which process you would have
been asked to declare the number of years' No Claims Discount
which had to be that which was stated in Admiral's notification.
Your new contract also requires you to advise your insurer of
any changes from your declaration e.g. mileage, medical status,
NCD failure to do which could invalidate your insurance.
But your post confuses matters without specific dates. The key
question is: prior to taking out your current policy, who was
your insurer and when they notified you that your policy was
ending to how many years' NCD did they say you were entitled in
your renewal quote? For all we know, Admiral was your
last-but-one insurer, in which case you were obliged to notify
your current insurer of your previous provider's figure. I don't
see that you have to go beyond this.
But you might want to. I very much doubt that your new insurer
would be very interested.
#Post#: 18510--------------------------------------------------
Re: Car insurance re-opened claim after 19 month saying my NCB h
as reduced
By: sparx Date: March 28, 2024, 12:35 pm
---------------------------------------------------------
The new insurer may be interested if OPs claim was originally a
"non fault" but now shows as "fault" on the database... that's
the issue.
It's also been two months, so OP probably would have posted back
if they'd come and made it difficult!
#Post#: 19190--------------------------------------------------
Re: Car insurance re-opened claim after 19 month saying my NCB h
as reduced
By: iispartan Date: April 6, 2024, 7:15 pm
---------------------------------------------------------
Apologies all, I have missed these posts but I thought I’d give
an update. I’ll try set out the timelines from the very
beginning. But long story short, I’m currently with a new
insurer and I have declared the claim as “At Fault”. However,
I’m getting contradicting views from Admiral, who first say I
was At Fault, but then they send me my proof of NCB with claim
details updated and within that it states “Non Fault”. I’ve been
thinking about forwarding this email to my new insurers to say
that I’m Non Fault to reduce my premium, but I’m wondering
whether on the database it states I’m at fault so wanted to be
safe. Basically, I’ve kinda given up with communicating with the
insurers as my new insurance actually offered me a decent deal
even with an “At Fault”.
27th June 2022 - Accident happened and initially told me I was
at fault
15th Jan 2023 - left Admiral and renewed with another insurer
GoSkippy where I put down that I was “At fault”
24th Feb 2023 - Admiral emailed - no claim made so non-fault
(see imgur link in initial post)
24th Feb 2023 - told my new insurers GoSkippy to update details
to say “non-fault” received a slight discount as a result
8th Jan 2024 - received email from Admiral that TP claim has
been made so case re-opened and found I’m at fault and have
settled the case. (see imgur link in initial post)
10th Jan 2024 - I complained and disputed, especially how they
didn’t inform me of the re-opening and decided to settle and
only now 5 days before my insurance is supposed to renew they
drop this on me. I was told on the phone that my NCB will not be
impacted, I asked if they can send me confirmation via email
what my NCB is.
12 Jan 2024 - Admiral send me Proof of NCB email, which states
at the time I had 3 years NCB, and it also stated the details of
the claim which states ‘Non Fault’ (see pic #4:
HTML https://imgur.com/a/FGAZ29i)
15 Jan 2024 - response from Admiral saying that I was at fault
based on how events were described, but agreed they could’ve
handled it better by informing me when TP claim was made.
Offered £100 compensation. Also highlighted my NCB will not be
impacted. (see pics #1-3:
HTML https://imgur.com/a/FGAZ29i)
15 Jan 2024 - GoSkippy offered a ridiculously high renewal after
I told them about the re-opening claim which was ‘At fault’ so I
renewed with yet another insurance provider Aviva Green with my
details updated to “At fault” just to be safe.
20th Jan 2024 - GoSkippy send me proof of NCB with 4 years (last
pic:
HTML https://imgur.com/a/FGAZ29i)
#Post#: 19241--------------------------------------------------
Re: Car insurance re-opened claim after 19 month saying my NCB h
as reduced
By: slapdash Date: April 7, 2024, 11:55 am
---------------------------------------------------------
The level of NCB and whether or not you are "at fault" in any
claim are not definitively linked.
eg your NCB won't generally change with an at fault claim if
it's protected.
#Post#: 19271--------------------------------------------------
Re: Car insurance re-opened claim after 19 month saying my NCB h
as reduced
By: iispartan Date: April 8, 2024, 4:33 am
---------------------------------------------------------
My NCB wasn’t protected, but they confirmed that it won’t be
impacted as I had left Admiral before they made their final
decision so still managed to keep my NCB.
My main question now is… based on Admiral’s email re Proof of
NCB, it also states that I was “Non Fault”. However previous
correspondence implies that I was at fault… can I therefore
assume that this would go down as non-fault and I can tell my
new insurer that it was in fact non-fault? Admiral keep
contradicting themselves
#Post#: 19290--------------------------------------------------
Re: Car insurance re-opened claim after 19 month saying my NCB h
as reduced
By: slapdash Date: April 8, 2024, 8:07 am
---------------------------------------------------------
All you can really do is ask your new insurer, if you don't like
the answer then raise a formal complaint.
#Post#: 22579--------------------------------------------------
Re: Car insurance re-opened claim after 19 month saying my NCB h
as reduced
By: mickR Date: May 15, 2024, 9:39 am
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"My main question now is… based on Admiral’s email re Proof of
NCB, it also states that I was “Non Fault”. However previous
correspondence implies that I was at fault… can I therefore
assume that this would go down as non-fault and I can tell my
new insurer that it was in fact non-fault? "
if this was thier last correspondence. I would take that as
being the answer. why should you keep questioning them?
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