Insurance payout

Hi there,

I had a minor accident in June 2006 which i thought would cost my insurance company 1000 pound. I told them about it and i heard no word back. I rang them in Sept 2006 as I wanted a new quote for a new car I bought and I was told that there was a claim of 4000 pound against me due to the other party hiring a car while his car was been fixed. I was astonished but accepted apology only. In the meantime my car was stolen and I moved to a place where I didnt need a car in the city.

Now in July 2008 I plan to move to the country where I require a car again. I rang the insurance company today to confirm the claim amount so I could get a quote only to be told it had risen to over 10,000 pound!!! I couldn't believe it! I wasn't informed by phone / letter nothing that they claim was re-opened. They went off disputing the hire claim and ended up with outstanding invoices and involved solicitors fees and the story goes on.

I dont know where I stand as there was no communication with me about this at any stage. Just wondering if anyone has ever heard of a case like this.

are you in the uk or are you saying pound instead of euro?

Find out if the claim is now finalised and if so ring around for quotations with other companies, a fair few will quote even with a claim against you. Your wasting your time contesting the amount paid out to the 3rd pary. There is a subrogation clause in every car insurance policy which means the company can basically do what they want once a claim is reported to them. Generally, it won't make any difference to you whether a €1000 (or pound?) or €5000 is paid out to the 3rd party.