I am looking for some advice on the following please.
My daughter is a named driver on my insurance policy and she witnessed her now ex boyfriend vandalise my car. The incident was reported to the gardai. The car was towed to a repair shop by the insurance company where the damage was assessed. The car was written off by the insurances assessor and a figure was agreed between the assessor and me. The car was then removed from the repair shop without my consent and sent to a scrap yard by the insurance company.
The front window was smashed in my house with a brick one night and a bomb exploded in the porch of my house on another night. My family were very lucky to escape with our lives on this occasion. The damage to my house was reported to the gardai on both occasiions and they agreed with me that it was my daughters ex boyfriend intimidating us. I need to explain here that the ex boyfriend is very well known to gardai and has a number of convictiions.
The insurance company have now informed me that they wont pay out because we wont charge the ex boyfriend or my daughter wont appear in court as a witness for the insurance company if they charge him.The reason they give is the following policy wording ' if we think someone else is at fault for a claim that we pay, we may follow up that claim in the name of anyone claiming cover under this policy to get back the payments that we make. Anyone making a claim under this policy must give us any help and information that we need '
We cannot charge him or appear in court for the insurance company for fear of our lives or any other damage that he may cause.
All of this has been explained to the insurance company and on 2 ocasions to their investigator.
This matter has gone on for a few months now and you will appreciate that the above is a short version of the incident
I would appreciate any advice please
My daughter is a named driver on my insurance policy and she witnessed her now ex boyfriend vandalise my car. The incident was reported to the gardai. The car was towed to a repair shop by the insurance company where the damage was assessed. The car was written off by the insurances assessor and a figure was agreed between the assessor and me. The car was then removed from the repair shop without my consent and sent to a scrap yard by the insurance company.
The front window was smashed in my house with a brick one night and a bomb exploded in the porch of my house on another night. My family were very lucky to escape with our lives on this occasion. The damage to my house was reported to the gardai on both occasiions and they agreed with me that it was my daughters ex boyfriend intimidating us. I need to explain here that the ex boyfriend is very well known to gardai and has a number of convictiions.
The insurance company have now informed me that they wont pay out because we wont charge the ex boyfriend or my daughter wont appear in court as a witness for the insurance company if they charge him.The reason they give is the following policy wording ' if we think someone else is at fault for a claim that we pay, we may follow up that claim in the name of anyone claiming cover under this policy to get back the payments that we make. Anyone making a claim under this policy must give us any help and information that we need '
We cannot charge him or appear in court for the insurance company for fear of our lives or any other damage that he may cause.
All of this has been explained to the insurance company and on 2 ocasions to their investigator.
This matter has gone on for a few months now and you will appreciate that the above is a short version of the incident
I would appreciate any advice please