Mazda Rotary Club

Well just found out my so called insurance policy is not worth the paper its printed on!
Saying they will not payout on mechanical failure of the fuel pipe.
Im gutted !!!

they also went on to say I had Nitrous fitted!!! I mean WTF!! they are saying their trained Engineer found a T piece on the fuel pipe indicates a fuel boosting system!!! never used nitrous in my life!!!

They also they have been on this Forum found out my forum name and found some interesting posts about racing and such like, so FFFing what!. I mean WTF has that got to do with a fire claim!!!

I did everything by the book declared my mods and stuff.

Guys and Girls, I advise you unless you have a complete standard car not to bother with fully comp.

I will be insuring Third party only from now on

Now I need to get my car back and break it for parts to get some money back

Sorry to hear it mate, thats terrible! :(

That seems outrageous.

Surely if you pay for fully comp insurance then it should cover every eventuality??

Which insurer was it??

Sneaky Feckin ****.
Send them hate mail:(
Sorry mate.

that is disgraceful...absolutely disgusting behaviour....surely if you have declared everything on the car they must payout? especially so on a fc policy!

take it to the insurance ombudsman (spelling), you have been paying a higher premium to cover the fact that you were running a modified car, therefore you have paid for the additional risk. Surely the onus is on them to prove that you have not adhered to the policy. If you have raced the car, fine, you aren\'t covered DURING that event, you are still covered on the road.

Before you go to the insurance ombudsman, you need to take it through their complaints department - that\'s all the ombudsman will say first anyway. All insurance companies will have a complaints department. A friend of mine had to do this, and they did get somewhere with the process.

That\'s just terrible and shocking behaviour.

Well I have just had enough of it all, they delayed me me for two months, and basically made me sound like a dirty fraudster, the only thing I did wrong was not admitting on the phone that I drag race at pod and them later finding out I do.

Im just want my car back I have 7K sitting underneath the hood undamaged

HIGHWAY INSURANCE you suck!

Cant be dealing with complaints procedure and stuff its all to stressfull

No way, elephant tried to get out of paying me.

And worst of all i have just got insured with highway, Really thinking about ringing them up and telling them where to stick it and why

yes mate the guy dealing with my claim at highway used every trick in the book to make me say something on the telephone statement so he could use this against me. He was so friendly on the phone as well, their job is just basically to try small print in the policy and not to pay.

Also during the peroid of the two months of the claim, they never wrote to me or phoned me. It was basically me ringing them and chasing them all the time, their customer service sucks!!

I mean imagine not paying out on a fully comp insurance due to mechanical failure, fully comp is suppossed to be just that Fully comp!

But be warned guys insurnace companies read our threads, so if you write anything they will use it against us.

were they using the fact that you were driving to a supposed race event against you or the fact that you race the car period?

No they are using the fact I "said" I was not going to race when in fact I was going to, against me indicating im a liar in not so many words.

But this was just added on at the end of the letter (for what reason I dont know other then to make me feel like a low life), the reason they are not paying because of mechanical failure of the fuel line at the end of the day

Oh no sorry to here that, bloody insurance companys all the same money grabbers...Hope you get something sorted!
As for Highway insurance :flamed

Thats unbeliveable, what a rubbish Insurance company.. I think we should make a list of the best and worst Insurance companies... Highway Insurance being Number 1 for the worst :2Mad

They\'re not paying out due to mechanical failure?

So if a tyre blew out and you crashed into a tree as a result they wouldn\'t pay out either?

Do they mention this in the conditions of insurance?

Fro

You are quite correct, they do mention some mechanical failure blah blah in the small print of checking, but obviously I could fight this and eventually win but we are talking months maybe a year for this kind of process, all the while my old car is lying in a recovery yard.
I just dont want the stress anymore. Gonna get my car back then talk to Reworx about swapping the engine/turbo plus bits into my new car and sell my T04R and mild ported engine on the forum

Let\'s hope Highway see this thread.........money grabbing evil selfish cocky bunch of w*nkers...i bet they drive beemers..................................

Gutted again for u man!! And id fight it if i was you...

But if you dont and get the car back i wouldnt be swapping parts from the old car... Brought u enuf bad luck as is!!! Just sell them and be done with it...

Andy

Mark, you\'re right - you could eventually win that case but it would be a drawn out procedure. I hope you\'re able to recover the car ok.

I\'ll be avoiding highway insurance like the plague from now on. This isn\'t good publicity for them and I hope they reconsider

well check this the Craig Hammond I dealt with at Highway Insurance was so nice as pie on the phone to me when he took my statement, saying he is car enthusiast himself saying he is part of the Morris Minor Car club, I hope his car catches fire lets see how he likes it when he tries to claim and being j£rked around for two months and lied to as well!

Also the coward drafted the letter on the Friday sent it knowing he is on holiday now ! spineless, he should have been a man and told me on the phone

Sorry to hear about your insurance Mark.  If you can\'t be asked to go through the complaint process then just get the car back and sell for parts.  

When i had 2 crashes and written both of the fds off, i just bit the bullet and did not go through insurance as they will look for any excuse for not to pay you.  I made some money back by selling bits and that was it.


I hope you get it all sorted as i know what you are going through.  Get the car back of them ASAP and see what is left for us all.....lol only kidding bud.

May see you at TOTB.

See you at Ten of the Best my man.

If any of you guys feel like posting this link on any other car forums about Highway insurance feel free. Show them that this company is not a good customer focused company to deal with.

haha do you know what there slogan was on the letter they sent me?
"The Insurer of Choice" hahah WTF did they get that from!

Thats absolutely disgusting.  We need to make sure no one else in the car enthusiaast community fall foul to this cowboy outfit.  Perhaps a drafted email/thread - posted on every car forum we can find, or are a member of, to warn people?  As well as doing people a favour it help to make you feel better that you could cost them the cost of this claim and then some in lost premiums!!

Sorry for you mate - i\'m sure it will all work out in the end - your new car is a beauty, and with you old cars engine!!!....  well say no more.

Cheers Mark.

I wonder if we can get one of the mods to make this a sticky.

Also I think it serves as a warning that telephone statements are designed to work against you , I told one white lie and they have branded me a fraudster even though me taking the car up the strip has nothing to do with the claim

Quote from: DonatoSorry to hear it mate, thats terrible! :(

Any chance of making this a Sticky in the insurance section Donato?

My Italian blood is just raging at the moment I feel really conned, why did I pay £900 for this worthless policy??????

HIGHWAY Insurance, read HIGHWAY ROBBERY. If they can find any way out they will and do. It\'s bad enough lossing your car like that, but this adds insult to injury.

Gutted for you Mark. I\'d say bite the bullet and get your car back so you can get the engine etc while it is still in a useable condition. I know you shouldn\'t have to do this, but I think it is the only way to get what good is left of the bad.

Sorry again,

Paul

Mark - sorry to hear about this mate. I\'d thought you\'d definately get paid out!! By all means name and shame them on every forum. They deserve what\'s coming to them. Hope you manage to get your car back off them and salvage some bits of it.

Good luck at TOTB - will hopefully be there too (as a spectator)!! :Thumbs-up

right mate, you only have two wishes left to choose wisely.. :Laugh

Quote from: BlitzBoyAny chance of making this a Sticky in the insurance section Donato?

My Italian blood is just raging at the moment I feel really conned, why did I pay £900 for this worthless policy??????

Right mate you only have two wishes left so choose wisely.. :Giggle

cheers Donato :)

That is unbelievable.....Can understand how you can\'t be bothered with the hassle of fighting it but, really they shouldn\'t be able to get away with that kind of behaviour. It is a legal requirement to be insured so we have no choice there....But insurance companies can just decide whether to pay out or not, based on the smallest technicality, it really stinks....Makes you wonder how many of us in the club actually have insurance worth the paper its written on.

:spank Highway Insurance suck!!! :spank

This lil HIGHWAY INSURENCE biatch needs to be phoned by every member of this club and spoken to.........:spank , or maybe I need to go and have a drink with him as Blitzboys solicitor,I will take A with me as he can resucitate him during the interrogation of why he is such a dick face.......:mad:  makes me fu(king mad when these small penis suits act like lil gods,have it all day so know where you are coming from Blitz,feel for you bud..............what is his phone number and email add: ??????

well the coward went on holiday for two weeks to avoid me having a talk to him.

Spoken to the Salvage company, need to arrange to pick up the car, anyone know of a flatbed I can hire?
, then I need to speak to Reworx if I can bring the car to them and arrange for the parts to be taken off, if not im going to need to find somewhere I can keep the car

Does this guy have a DDI? We can all give him sh1t :yes

Re:Worx recomended a guy to me to recover my car one of the many times it broke, John i think his name was. Good service and was £50 from mine to Re:I dont have his number but I\'m sure they do.

I find it strange that they wont pay out,  if the car was stock and a fuel hose split, they would have paid.  You told them about the mods so they are aware and should cover.  

I also cant understand what difference it makes where you were going.  The policy states that you are not insured to race etc etc, which is fine, you dont expect cover while on the strip but this clearly didnt happen on the strip.  Are they of the opinion that this occured on the strip??  You have photos to prove not!  Are they saying that you are not permitted to use the car for any kind of racing?

The car is your property still, and you can do what you like with it.  Get the car and crack on but still fight with the company and if you win they will just deduct the value of the salvage from the final payout.

Good luck


edit:   could you post a copy of the letter up on the site?

yes i will post the exact words later, I wish havent said I wasnt going to race and said i wasnt good enough to race it really didnt matter what i said, but you dont expect to be interrigated down the phone

I\'m with highway ... through Adrain Flux ... sounds like the underwriters are just as useless as their brokers - Adrian F&*ks (you about) I won\'t be with them again for sure (in fact I would cancel now if Flux didn\'t have a no refund policy :Grrr

Robbing barstuards the lot of them !

If our club is so strong,why cant we start our own insurence company only for Rotaries..??????????? :god

I guess you have to be licenced to be an insurance robber - and also need a shed load of cash behind you.

TBH [this won\'t go down well] If i did run an insurance company I wouldn\'t want to insure under 25\'s on a rex - better off insuring little old ladies in micras.

Just read through this thread.... Total madness! Surely it\'s worth going through the courts?

On a similar note.. .

I wrote off a 10 year old CRX a few years back and got offered about £1500.

I kicked up a hell of a fuss as I\'d paid something like £3700 for it 6 months earlier as I had a bill from the previous owner for a complete engine rebuild by Honda. After a bit of to-ing and fro-ing I got £3500 from them.

It might be worth pushing them.

Just spoke to Hyperformance who have insured me with highway, They say that highway are backed by lloyds so most insurance companies are the same.

Bloke on the phone could not understand why i would want to move my policy! he was just reading from his sheet in front of him,

I said am i covered if im driving up the road and my car bursts into flames,

Well err no, not if it wasnt vandalism or robbery.

But this is total rubbish cos i have seen countless lorrys and cars on fire on the M25 and never heard of them not paying out.


I think this case needs to be made an example of like the police do to us.

They cant be let to get away with it, Other wise why do we need insurance!!!!


Oh i forgot, to pay for all those fraudsters claiming whiplash

Quote from: johnfI guess you have to be licenced to be an insurance robber - and also need a shed load of cash behind you.

TBH [this won\'t go down well] If i did run an insurance company I wouldn\'t want to insure under 25\'s on a rex - better off insuring little old ladies in micras.

Maybe I know somebody who knows somebody.........:Typing

Sorry about your further hassles Mark, i think it would be nice to take them on and win via the Insurance Ombudsman, after all it is Breach of Contract as i see it! What it better than Third Party, FIRE! and theft? Fully comp!
but i can understand you just wanting to just go and get your car back,(perhaps this is what they hope you will do!)
Good luck Bob

This made me so angry - it seems to me that so many of these companies will try it on and hope that you back down. I called my dad who spend 41 years working in the city on motor policy for a major insurer. His suggestion was:

1) Take legal advice. Confirm whether there are any specific exclusions in the policy. Most policies exclude mechanical failure, but you need to check whether there are any specific exclusions for consequential damage. The expectation is that they could reasonably refuse to pay for the replacement of a faulty hose, but would be liable for the fire damage that resulted.

2) Write to the general manager stating why you feel the claim is valid.

3) If the claim is still refused, take it to the insurance onbudsman.

4) Check whether you have cover for legal costs. You may be able to use this to cover your case against them!

Hope this helps

Keith

just read this thread. WTF?? I know insurance companies are robbing barstewards but this is taking the p1ss. I would agree with the others advising legal action, but i know what it\'s like when you need your car back. I had hastle with my first car, some little turd set it on fire. the insurance company refused to pay out at first then offered me £450 for it. Argued the toss and they eventually agreed to up it to £650!! I told them that when it was towed away it had personal items in i wanted back but they \'lost\' the car. I asked about money for personal items and they said they had already paid out and that included personal items. I argued that i only agreed to the £650 if i could get my personal items back but they had no records of the conversation. How did the know how much they offered me them?? Got sod all from them and after a year i lost my cool, swore over the phone ( i work in a similar environment and try not to loose it as i know what it\'s like) and called it a day. I\'ve regretted it for the last 7 yrs as i knew i was in the right, so my advise is to fight this, cause if you dont you may regret it. Right rant over, i\'m off for a big jack and coke! Good luck if you do fight it fella

Well here is the letter word for word, I have not left any words or sentances out

So take a seat and try and not to lose your temper as you read as I did!!

“We write with reference to the above motor insurance claim and regret to advise you that as you have failed to comply with the policy terms and conditions we will not be paying for the damage to the vehicle.

Under the claims handling section of your policy it states:

Fraudulent, False and exaggerated Claims

Fraudulent, false and exaggerated claims increase premiums for our policyholders. We will not pay a claim which is in any part fraudulent, false or exaggerated, or if you, or anyone acting for you, or where we have been given any documents which are false or stolen. We will also seek to recover any costs that we have incurred. In such circumstances, we will cancel your policy and we will not return any premium.

During your interview (telephone) with us 3rd July 2006 you told us that you were on the way to car show in Stratford on-Avon where you were to ’show’ your car and that you met other people at a lay by off the M25 when your vehicle caught fire.

We are now in full receipt of the full fire report which states that a fuel pipe came lose while you were driving and that it was spilling fuel as you were travelled and that the fuel ignited as you indicated to pull in to the lay by.

At this point we can confirm that problems caused by mechanical failure such as this are not covered by the terms of the policy and we would therefore be unable to cover you for this event.

That Aside, during your interview with us you were asked if the vehicle was fitted with a Nitrous kit or any other fuel boosting equivalent. You replied that it was not. We have today spoken with a trained vehicle engineer who has now completed a full and thorough inspection of your vehicle. He states that there are fuel pipes in the vehicle in areas where fuel pipes would not be located unless a fuel boosting mechanism were fitted to the vehicle. He has located a fuel pipe T connector that’s is usually used to take and mix another substance with the main fuel supply and is sending this to us as evidence. Another breach of the Policy terms, as we will not provide any cover for a vehicle that is fitted with such a device.

(Now this were I told a white lie that I was not going drive down the strip, but at the end of the day its nothing to do with a claim or fire accident, so him making this statement is pointless other then trying to make me feel like a dirty low down criminal that deserves to hung)

In addition to the above you were asked if you had ever raced this vehicle and if you were planning to race on the day in question. You replied, “no, I\'m not good enough” (I mistook his question as meaning do I race the car round a racing circuit which I never have done)
This is clearly a falsehood as we have written evidence, which confirms you have attended and raced in previous events and that you were on the list to race on the day of the event. Evidence from various websites shows that you have the alias of Blitzboy and we have printed some interesting threads as further evidence of your deceit!
The letter then goes on that I need to collect my car

As far as i can see they are not paying because of the t piece, i would like to think that they have to PROVE that you have used nitrous for them to not pay, as you havent and they cant they have to pay. I would persue this mate, if nothing else just to wipe the smile of there faces at yaking your premium and getting away with not paying out...

No, i disagree Donato: they are not paying, essentially, because it is a mechanical failure, which are not covered by insurances. However, they are stating other \'facts\' (Ok, one is true - the strip - but the other is obviously crazy interpretation of something an \'engineer\' found) as more grounds to not pay out.

****ing w**kers.  What a load of bull.  And what a cowboy outfit.  This machanical failure crap is unbelievble!!  So the only claims they pay out for is where human error is the sole cause?  What if your brakes fail, or you get a blow out?  And then hurt people?  Are they not covering this?  Are they allowed to do this by law?   Isnt that just like not begin insured at all?  

I can see why you may not want to drag this out as you will probably get just as much from the parts you can salvage as what they will offer you for the car anyway.  But that is not the point.

These ***kers need puting out of business, need to spread the word

Well im going to collect my car, salvage my parts and continue to claim the value of the car less salvage parts cost

I can\'t believe what i\'m reading. Surely a T piece is not conclusive evidence that u were running nitrous??? :xconfused

No Nitrous bottle, nozzle\'s, management etc... What do they think you just plug it into the T piece on the fuel line and away you go?!?

Can\'t you get an enginer\'s report from RE:WORX saying they done all the work on the car (fuel system) backed with invoices. Or maybe a dyno chart where they tuned it on pump gas!!

I wouldn\'t let it lie mate, you got nothing to loose.

Goodluck with it all.

Yes Mark, tell the Lotus forum about this story Im sure some of them are insured with them, people who own Lotus\' always drive to circuit meets and do a few laps, seems the insurance company is car club unfriendly!

As far as the nitrous question goes, I guess it is possible that a previous owner had it set up for nitrous and some of the parts have been left in place...But that shouldn\'t affect your insurance claim, obviously. I think they are throwing a number of different reasons into the melting pot to make it harder for you to fight the case. You have now got to :

a) Acertain whether they are within their rights to fail to pay out for mechanical failure

b) Somehow prove that you didn\'t run nitrous

c) Get them to accept that you \'misunderstood\' the question about racing and that in any case that has no bearing on the claim.

It might even be worth having a little chat with a solicitor, you can sometimes get a free initial consultation where they could probably tell you whether they thought it worth pursuing or not.

Just read the so called report from these jokers:mad:

Blitz you gotta fight these pricks, you can get an independant engineer to check your car over as a counter to there so called specialist. Any proper engineer would know to use a boosting agent ie NOS requires more than a T piece. As to the racing bit, its irrelevant you were on a public highway and anyone could\'ve used your log in and typed all sorts of things :yes couldnt they!

Dont back off from them mate, thats what they want

See you on sunday :Thumbs-up

Jase

cheers for the advice Guys im going to "Fight the power!"

Sorry to here all of this mate. :( Makes me so mad :mad:
It doesnt look good at all if an insurance company wont cover us for mechanical failure. Like you\'ve already said, is it really worth paying the extra for a fully comp plan???

I hope you keep fighting this mate. I\'m sure they reliy on the fact most people will give up and except what they say, thinking its to much like hard to work to fight on. If this was America you\'d be sueing them by now for the money and stress!!

Adam

Quote from: oldonemaybe I need to go and have a drink with him as Blitzboys solicitor,I will take A with me as he can resucitate him during the interrogation of why he is such a dick face.......:mad:

Might have a sudden laspe in memeroy about then though :rollin :p

Adam

Also .... SCR and Pod do not allow racing per se at RWYB events as it then requires MSA licenses (technicality, but fight fire with fire) you were not racing and have never raced by the legal definition of it as far as the MSA is concerned! You did not lie, you do not race the car (the MSA would require you to have a licence to do so!)

Stick them on blagger.com (http://blagger.com), at least that will help to warn others.

I\'ve had a word with my boss whose a magistrate, and he says what they have mentioned as so called evidence on this forum is not related to the incident at hand and therefore cant be used as evidence as they\'re is too much speculation/conjecture etc. Regarding the Engineer who did the report ask for a copy of this report of his findings and get an independant engineer to do another one.

Also my missus works with a woman at work who spent 15 years in the insurance game, so she will have a word tomorrow. The womans husband works for an insurance company and he just happens to be 1 of the chaps who goes and inspects cars for claims etc.

Will let you know asap.

Jase

Cheers Jase :)

I am currently writing a letter to reply . Taking each point he has made, so more info the better. It will take a few days to make correct and I will show the letter on here for you guys to review

Mark you need to get onto the financial services ombudsman ASAP. Like now, if you haven\'t already :)

consumer helpline

    *  0845 080 1800
    * complaint.info@financial-ombudsman.org.uk

I\'d be wary about recovering the vehicle. Once you do that you might find it hard to prove there was no nitrous on the car

I have to take the car away Fro!!, the last paragraph of letter said the Salvage company were awaiting my call to arrange disposal!! of the vehicle wtf!
I rang the salvage company , they had on their computer instructions to break the car for salvage!!!! FDUK that I said dont touch it as I still own the car. Got Highway robbery to fax them straight away to hold the car and await for me to collect the car.

They Salvage company will take pics for me before they release the car.

I will email the obudsman tomorrow

Where is the car being stored?  I\'m an Engineer, got certificates and everything - and theres plenty of other engineers etc on this forum.  How about we all go down there give your car an inspection and send it to Highway.  
 Also, its worth  finding out the name and level of qualifications of their engineer, and wether or not he belongs to any large engineering body.

 I think its shocking that FC insurance doesnt cover mechanical failure.

I really hope this works out ok for you Mark. You try to do the right thing by insuring a car properly and you\'re treated like a criminal. I can understand why there\'s so many uninsured cars on the road :(

Well I now have a case number with the Ombudsman, before they can act they need me to go through the Insurance Companies complaints procedure first. So Im writing my complaint letter currently.

The car is in Sandwich in Kent at the moment, trying to arrange something so I can collect it next week

May take you up on the offer to inspect the car Brett

Does the car roll on 2 wheels? If so why not just try and hire out a spec lift....t should be considerably cheaper than hiring a flatbed?

Outof interest, what qualifications dos said engineer need to have to be able tinspect? Im guessing chartere status at the bare minimum...but is there any other pre-requisite

well the rear tyres are completly burned out, the fronts were ok, but I havent seen the car in two weeks.

In my letter I will asking for the engineers name and qualifications

Im pretty sure hiring a spec lift is defo cheaper than hiring a flatbed....

If you can get the front wheels on the back and the rear wheels on the front, you can lift up the front 2 wheels.... i dont think you can lift it on the rear wheels cos the fds steering lock doesnt lock the front wheels perfectly straight so the car will sit out at a slight angle....

Stick at it Blitz, It\'s great to see all the support and encouragement you\'re getting over this. Sometimes it\'s the principle more than the money that matters.

I think they are just trying it on and dont feel too confident about the outcome, the fact that he has drafted that letter then gone on holiday for two weeks speaks volumes .... he\'s hoping it will all have blown over by the time he returns to work.  As for the "nitrous" they would have to prove conclusivley that you had it fitted and used it .... impossible to do if you have never had nitrous. All that bull about racing your car is not even relevant. It would only become relevant if you had an accident on a racetrack. Not paying for mechanical failures usually means not paying for blown engines/transmissions/diffs. The fact is your not claiming for a "mechanical failure" you are claiming for fire damage. The fact it started becuase of a "loose" or "split" hose is incidental, reports on fire damage are generally to asess wether you have torched it or not.
I personally think that their "engineer" is clutching at straws saying that you car ran nitrous and as for removing parts as "evidence" correct me if I\'m wrong but the car belongs to you still? Who gave him the authority to remove parts? Which to my mind would call into question his reasons for the car igniting. How does he know the fuel connection was "loose" as opposed to "split" before the fire? The fact that loose implies a lack of maintainance whilst "split" implies a failure is more likely the reason he has presented his findings that way. That company sounds like an arm chancing shower of sh1t to me. They dont have a leg to stand on ....recover your car and go for the jugular, you will win.

Cannop

Nice info on "mechanical failure" Cannop, thats what I thought failure exclusion was for engines/transmissions/diff

That was my thought too, after all I suspect a number of accidents are caused by "mechanical failure" of some sort. Say for e.g. a tire had a blowout on the m-way, technically a mechanical failure? can you imagine the letter?:

"Dear Policyholder, Regarding the recent accident which resulted in the damage to 12 cars, and 5 serious injuries was the result of the failure of one of your tires, we refer you to clause 3.55a of section 4 of your policy document. This clause states that any mechnical failure of the car or any part therein will not be covered by your policy. We regret to inform you that we are unable to cover the costs relating to this incident or any of the associated legal costs you may incur.  Additionally, during our investigation of this incident, we have discovered that you have, in the time you have held a policy with our company, travelled at speeds of up to 78mph and not 70mph as you had previously stated. In light of the fact that you have falsified statements relating to your cover we refer you to or policy notes relating to the legal ramifications of false statements on insurance documents. Yours Faithfully, A. W. Anker (Senior Insurance Assessor)

Could lead to a worrying trait?

^^^^Like it....:yes

If they are reading the this forum, I would like to see their faces when they read this!!  They will sh!t themselves.  It must be obvious they are screwed.  It would make good and obvious business sense to come good on this claim now, and on top offer some compensation for the \'mix up\' and distress caused, sack the guy who has dealt with your claim (as he is obivously a muppet) and blame the engineer.

I for one will go to every forum i\'m a member of, tell everyone I know to avoid this cowboy, scamming insurance company. If, and it is very likely, that everyone on here does the same the potential damage to this company will be huge - they would be fools to carry on down this avenue.

There only chance now is to rectify it - and then some.

Just noticed the \'active\' users on this thread just at this minute - it includes 26 guests!!  Sounds like the word is getting around already!!

F#*k me i\'ve just picked up on this thread! can\'t believe the tightness of them, any excuse!

I\'m still insured with high way at the moment, but don\'t have the FD no longer. I also was told by my brooker that High Ways no longer insure grey Imports (could be wrong). So that could be why hey don\'t care about all this bad press! I know who i\'l be warning people away from.

S

Quote from: BlitzBoythe reason they are not paying because of mechanical failure of the fuel line at the end of the day

The wife spoke to her friend at work today Blitz, and mentioned something similar to what you have written here. They wont pay for the mechanical failure of the fuel pipe, "But" they have to pay out for damage done as a result of the fire being caused by the mechanical fault, if that makes any sense.
Heres a list of what she suggests for you (alot has already been mentioned I know)

*Check over your certificate again

*Highlight the fact that you were driving on a public road at the time and that it is covered in the terms on the certificate

*If you can get hold of the previous owner regarding any mods done ie to the fuel system etc and did he tell you. ( unless you have had all the work done since stock).

* Who did all the mods, can it be varified by whoever carried out the work.

You\'ve probably done all this anyway but it all helps build a strong case for you.

Oh and she did say Highway were useless!

Hope this helps

Jase

Thanks Jase ! as I expected they are trying to pull a fast one. Reworx\\Max is gonna email them that no Nitrous has ever been fitted to the car. I will get them to do me a quick Letter as well confirming this

Thought you guys might be interested in this....

the news is spreading: http://www.xrstyle.co.uk/forums/viewtopic.php?t=15138 (http://www.xrstyle.co.uk/forums/viewtopic.php?t=15138):yes

and further....

http://www.ultimatejapcars.co.uk/forum/index.php?showtopic=16350

coool spread the word, this insurance comapny obviously deals with modded cars charge the bigger premiuim for it but breeching contract when you try and claim

Blitzboy, I\'m really sorry to hear about this.  Insurance firms are a total joke, the story has made it\'s way onto the S2000 forum as well.  All the best getting this sorted.

www.s2ki.com (http://www.s2ki.com/forums/index.php?showtopic=408484)

Lets hope Highways Insurance read these threads and relise they have made a bad call.

Maybe I\'m being an idiot here, but I thought Nitrous if used, was usually mixed in the air stream, plenum, carb or other suitable area, and not injected into a fuel line !?

To run a pipe with both a fuel and oxidant is lunacy of the highest order - that engineer must be so incompetent if he thinks that is what has been done with your car.:rolleyes:

Seems their \'Engineering Expert\' doesn\'t match up to the qualifications he should have to do his job - as Brett suggested, I think you might even have a case against his incompetency - talk about fraudulent claims and statements - I believe under English law that swings both ways ?! :)

Good luck with your claim Blitz...

Blitz been following this thread for a while, really hope you get it all sorted!    Can\'t believe the bulls**t these people are coming out with!!! :(

Nail them to the wall for this one mate, win and get as much money as possible out of them, sue them for all the stress and hassle this has caused you.   Normally I\'m against the American suing culture but in this case I think Highway robbery needs to be taught a lesson.

I really do wish you all the best with this.

Rich

Quote from: ProfMaybe I\'m being an idiot here, but I thought Nitrous if used, was usually mixed in the air stream, plenum, carb or other suitable area, and not injected into a fuel line !?

To run a pipe with both a fuel and oxidant is lunacy of the highest order - that engineer must be so incompetent if he thinks that is what has been done with your car.:rolleyes:

Seems their \'Engineering Expert\' doesn\'t match up to the qualifications he should have to do his job - as Brett suggested, I think you might even have a case against his incompetency - talk about fraudulent claims and statements - I believe under English law that swings both ways ?! :)

Good luck with your claim Blitz...

The Engineer could have got confused with the water injection system combined with the fuel t-piece found, which I\'m sure RE:worx will set the record straight on that one. Also shouldn\'t the Engineer be independent from both the insurance company and the owner? ( i think this was mentioned on the XR club thread).

Good luck with it Mark and perhaps look into getting an independent assessor  (Engineer) to check the car over before it is picked up.

Paul

WI has never been fitted to my old car, I have asked for my "T" piece to be sent back to me, so I can see what this Joker has actually taken off

Hang about, whats a mechanical failure got to do with all this? Were not talking about the engine just broke are we. If your wheel came off and you careered into another car they would pay out for any damages etc... What a load of tosh. Surely if they know who you are on this forum they could see from any specs you\'ve given on your car do not include Nitrous fitted :rolleyes

I think you\'ll get them to pay up if you keep onto them, Its like their first off on a pay out, always refuse it and they\'ll come back with better.

Good luck mate.

Good luck fighting this M8 ive got some idea how you feel after my fd went up in flames 2 weeks ago. Touch wood my insurance company are gonna pay out. This is just a thought but is it definate that the fuel pipe caused the fire. The front of mine was so burnt out that the engineer said there was no way of being sure what had started the fire on  mine so that may be worth looking into as well as the mechanical failure seams to be the main reason they arent paying out.

Strangely ive had a run in with highways before 8 years ago when they refused to pay out on a claim I had. Fortunatly had paid for the insurance on my dads credit card so we contacted the credit card company and revoked the payment and tied them up in court for two years.

Definatly get a report done by an independent engineer, the enigineer looking at mine was very friendly and helpful but I had to explain to him that the car really was a 1300cc and the usual stuff that people dont understand about rotories.

Good luck

Niall

Blitz - as someone suggested on another forum, does your insurance include legal cover? if so, you can fight them with them! (well, sort of)

well I have legal cover through the AA broker I think, going to check monday

i am sorry to hear about your car, its hard enough to get insurance, without having to worry that there not going to pay out, when you have done nothing wrong, they are a law to them selves isnt there anyone who over sees insurance companys to keep them in check?

every one should post everywhere so they get no custom. they actually want shooting, its just aaarrrrhhhh. you can not let them get away with this. you have everyones support

neil

Thanks for your support Mr Menace

I\'m a little bit nervous now to say the least, my broker Keith Michaels set my policy up with Highway and I\'m in the middle of sorting things out due to somebody driving into the back of me the other day while I was stationary.

Hopefully it won\'t be a problem as it\'s not my fault and the other person and insurance company has said they\'ll pay.  But I have to say in my dealing with Highway I haven\'t been very happy at all, had to bug them to get the vehicle taken to Dragon and not a normal accident repair centre.  Then they wanted me to pay for the tow, but they have now agreed to get the car there today, although it would seem the car has to be looked at by an "approved" engineer too. *gulp*

I think I\'ll be looking elsewhere on renewal.

Quote from: ProfMaybe I\'m being an idiot here, but I thought Nitrous if used, was usually mixed in the air stream, plenum, carb or other suitable area, and not injected into a fuel line !?

To run a pipe with both a fuel and oxidant is lunacy of the highest order - that engineer must be so incompetent if he thinks that is what has been done with your car.:rolleyes:

Seems their \'Engineering Expert\' doesn\'t match up to the qualifications he should have to do his job - as Brett suggested, I think you might even have a case against his incompetency - talk about fraudulent claims and statements - I believe under English law that swings both ways ?! :)

Good luck with your claim Blitz...

I agree. I think you REALLY should fight this crap. Just because of a T piece, they are trying to do a runner. This is the only bit of evicence they have, but it must be checked by another independant inspector, who know, perhaps they are paying this \'independant inspector\' to say this????

The wife just told me this has made it onto the 300zx forum now as well - so that\'s another load of peeps forwarned and forarmed against this behaviour.

If this continues to spread, then Highway aren\'t going to have too many customers left, and to be honest if that\'s the way they conduct their business then perhaps that\'s all for the better - I just hope you get your pay out before they go under :)

The internet can be a very bad place to be caught doing the wrong thing - word gets out and out and out.... :spank :spank

I bet highway insurance have been reading this, and i bet they are seriously regretting not paying out staright away. I think they will tuck tail and run (as in payup) even so everyone in the uk who has read this post (not forgetting this has links have been created on many other club fourms) will not use them. they only way i can see that they can get out of this with some integreaty (mind my spelling) is to pay up in full and give some compersation for the trouble they have caused,


PS any updates on the situation.

Neil

I\'ve just signed up with Markerstudy through A-Plan.  This thread prompted me to read through all the small print I had and sure enough they do not cover mechancial failure.  Now I think that is fair enough because insurance is not a warranty on parts.  However, if the mechancial failure results in a load of damage as in BlitzBoy\'s case then that is a hard pill to swallow because they will very likely not pay out.

Does anyone know for a fact that their insurance will pay out if the same thing happens?  I would expect them to all have similar policies to Highway\'s.

Covering Mechanical Failure and covering damage should not be related, mechanical failure means, if your engine fails your can\'t claim for a new engine, this is a fuel line failing, the result of which was a fire that destroyed the car. the claim is not for a replacement fuel line, its for a car!! If you see what I mean, Highway are one of our insurers (luckily, the broker I work for don\'t cover mods of anykind!) they are a complete shower and shouldn\'t be covering any modifications (the engineers report alone will confirm this"Jakes backalley MOT centre"!)

The Insurance service is now moderated by the FSA and they are doing a reason job at keeping things fair, which your claim decline most certainly is not, however, watch they don\'t switch the tables and try a neglegance trip on you or ReWorx if you gain the upper hand. could be worth reading the letter again.

Don\'t be surprised if you need to see the inside of a courtroom to get this pinned and for the sake of yourself and everyone else on the road, please don\'t give up untill you are satisfied with the result and the payout! For list of mods and reciepts from ReWorx will more than likely be required.

At the end of the day, if you\'ve learned nothing else then its that Highway are sh1t! at least the word is spreading through the forum comunities, gone are the days of the single voice, this claim refusal WILL end up affecting their annual figures and of that I am pleased, honesty is all we ask for in return for declairing every last nut n bolt mod and paying a grossly inflated premium for it!!!!

well im quite prepared to go all the way with this now.
I provided Highway the following week after the fire, My MOT,V5,recipets,a copy of my clean license, reciepts for all the work on my car, so they couldnt find fault with any of my docs.
My letter is nearly finished and will send it recorded delivery to them tomorrow.

Go for it Mark, did you check the Legal Expenses Cover you got from the AA, needs to be checked as some of those LEC policies only cover for advise!!!

Recorded all the way, avoid all the "we never received that comunication" cr@p!!!!

I hope you get FULL compensation for this one, was gutted when I first saw the fire pics! didnt even know it\'d happened till the day after when I got a text about it.

Mark best of luck hope you win,be careful what you say on site as you said they had read your posts ;)

Ok guys this is the letter I have written and will post this afternoon



Dear David Salter

Your work colleague Craig Hammond has informed me that my claim will not be honoured. I find this disgusting behaviour on the way he has acted with my case and to what he has written, I have opened a case with the insurance Ombudsman case number 6458498.

Now I will address all aspects in the letter he has written to me (please note I actually never received the letter through the post, I had to ring up, then find out he went on holiday after him promising he was going to ring me, when I rang up and was told the claim was not going to be paid they had to fax me the letter!)

Right onto the first point in his letter quoted below



1)    “We write with reference to the above motor insurance claim and regret to advise you that as you have failed to comply with the policy terms and conditions we will not be paying for the damage to the vehicle.

Under the claims handling section of your policy it states:

Fraudulent, False and exaggerated Claims

Fraudulent, false and exaggerated claims increase premiums for our policyholders. We will not pay a claim which is in any part fraudulent, false or exaggerated, or if you, or anyone acting for you, or where we have been given any documents which are false or stolen. We will also seek to recover any costs that we have incurred. In such circumstances, we will cancel your policy and we will not return any premium.

During your interview (telephone) with us 3rd July 2006 you told us that you were on the way to car show in Stratford on-Avon where you were to ’show’ your car and that you met other people at a lay by off the M25 when your vehicle caught fire.

We are now in full receipt of the full fire report which states that a fuel pipe came lose while you were driving and that it was spilling fuel as you were travelled and that the fuel ignited as you indicated to pull in to the lay by.

At this point we can confirm that problems caused by mechanical failure such as this are not covered by the terms of the policy and we would therefore be unable to cover you for this event.”


Right having read my policy and consulted with the ombudsman, we agree the actual fuel pipe failure is not covered, but the subsequent fire damage IS covered by the policy. Now the “Mechanical failure” Exemption clause in the policy is to stop people claiming for broken Engines, gearboxes etc. I think you agree most fire damage to cars is caused by some type of failure of a mechanical part. I purchased a fully comp insurance policy from yourselves including my declared modifications to include Fire protection. Therefore the policy does cover fire damage to my car.
Ok now onto the second point



2) “That Aside, during your interview with us you were asked if the vehicle was fitted with a Nitrous kit or any other fuel boosting equivalent. You replied that it was not. We have today spoken with a trained vehicle engineer who has now completed a full and thorough inspection of your vehicle. He states that there are fuel pipes in the vehicle in areas where fuel pipes would not be located unless a fuel boosting mechanism were fitted to the vehicle. He has located a fuel pipe T connector that’s is usually used to take and mix another substance with the main fuel supply and is sending this to us as evidence. Another breach of the Policy terms, as we will not provide any cover for a vehicle that is fitted with such a device.”

Ok this car has never ever been fitted with Nitrous! Also any engineer worth his salt knows you do NOT add Nitrous directly to a fuel line, I suspect the T-piece he has removed is to do with the fuel pressure regulation system, I have asked one of your work colleagues to return me this T-Piece (please note I did not authorise any engineer to remove parts from my car, so I think your engineer is breaking the law!)

I can obtain an engineers report to confirm Nitrous was never fitted to this car, I would think the fire brigade or your so called engineer would have found a Nitrous bottle installed in the car.
Also I would like the full name and address of the Engineer and a list of his qualifications please as required by law.
Ok onto the third point

3)   “In addition to the above you were asked if you had ever raced this vehicle and if you were planning to race on the day in question. You replied, “No, I\'m not good enough”
This is clearly a falsehood as we have written evidence, which confirms you have attended and raced in previous events and that you were on the list to race on the day of the event. Evidence from various websites shows that you have the alias of Blitzboy and we have printed some interesting threads as further evidence of your deceit!”


Ok what has accusation of me racing at an event have to with my Fire Claim!?
I think you have to agree nothing, and the ombudsman has confirmed to me on the phone this is unrelated to the claim.
Also I do not hold a racing licence therefore how can I race?
When I replied, “I am not good enough” I took his question as meaning do I race the car round a racing circuit, which I never have done. I think Craig is referring to Drag strip events at Santa Pod and Stratford upon Avon, these are just RWYB time test events.
 I agree I have taken part in RWYB events but these are not on Public roads.
These places do not endorse racing at RWYB events, to race there would require a MSA racing licence.
I know insurance do not cover on these premises. But I still ask the question what has this got to do with my Fire claim? The fire occurred on a Public road where by I was meeting my friends.

I think the only reason Craig Hammond has written this is to belittle me and make me feel like a criminal, I take great exception this and I am considering suing Craig Hammond personally this is defamation of character.
Therefore can you forward Craig Hammonds’ address and his FULL name, which I will hand over to my Solicitors?

I have now had to collect my car as the salvage people had instructions from Craig to dismantle it. Previously I was told this was CAT A write off but upon collecting my car was told it was changed to CAT B in which could be sold and put back on the road, I feel Highway or probably Craig has thought that I would have given up my claim felt the car was unrecoverable because it was CAT A and left it to be disposed of and Highway making money out of the Salvage, if this turns out to be true I am very shocked at this behaviour.

I have now had to dismantle the car to make sure it doesn’t get put back on the road, I am still pursuing my claim, I therefore ask you to pay the claim, at the time of insuring the car I gave you Highway the approx value of £15K, I have provided you evidence of its value and also adverts for similar cars on the market from 9K upwards. I therefore ask you to make me an acceptable offer to me.

I think I had better inform you as well that I have informed my car club and other car clubs with my case with Highway Insurance and they are following this closely and are presently quite shocked at how I have been treated, many people in my car club and other car clubs are insured with Highway. So far 5000 people have read my story and counting.

On a customer care front, Highway in the two months that have dealt with my claim have never sent me a letter in the post or returned any of my phone calls! It’s always me ringing up to chase and to find out what’s going. Also Craig Hammond has lied to me on the phone saying he was going to me ring back, he also lied to say the only reason why my claim was taking so long because they needed another engineer to value the car as the first Engineer valued it at 2K, he never told me my claim was ever in dispute! The only people that were efficient and fair were the last two women I spoke to on the phone all your staff should lead by their example as they were very professional but Craig Hammond was not.


I hope you can deal with my claim efficiently as it will show others who are following my case that Highway can be fair.
Please can you send all correspondence to me via recorded delivery, as I will be, just in case this matter goes before the Insurance Ombudsman or court.

Wooooooaaaah!!! I didn\'t realise half of this, you\'ve been lied to on more than one occasion to affect decission, tricky to proove, but definately seems as though they were applying any information they could (true or false) to get you to walk away (which you almost did).

Keep in constant contact with the ombudsman for any info or advise you need, I know we claim to record calls as I think its a requirement of the FSA that this is done for a certain percentage. You may benefit from requesting these call records be recovered to back up your evidence against Graig Hammond.

Best of luck Mark, stick with it mate!!!

Good reply Mark. I hope they respond quickly and positively. Keep at them as I and I\'m sure everyone else here believe this is a gross misjustice.

As this is now a formal complaint, I\'m sure that they are bound by FSA regulations on response times etc.

Best of luck wish this one!

Fantastic letter Mark - good luck :)

Highway - if you are reading this I hope you are loosing a lot of business.  thousands of people have read this and just remember what word of mouth can do to that number.
:D

Now posted guys, just lie back and wait the response lets hope its a good one

Good luck Mark. Great to see you\'re fighting them, they thoroughly deserve it :)

Yes that should push them into the corner battling a way out. I did find a couple of mistakes, so read it again carefully then send the bugger off. I cant wait for their reply :WaveBye

well I corrected a couple of Grammer mistakes and now it is sent

Good luck. Keep us all updated.

Flame the fdukers :flamed

Well done Mark, brilliant letter, good luck,
Bob

If you want me to collect the cheque from Mr.Hammond at Highway,I will do it with the greatest of pleasure for you bud.....but I will take A with me .....heheheheheheheh

ps Good letter bro..........

Goo direct letter bud! and yep they are now tied by time scales and stuff! like the bit about Recorded mail, they can\'t say they didn\'t post it now can they!

Stu

Nice one Mark. Hope this all gets sorted out in your favour in short and sweet time. Dont settle for less than the maximum pay out.

Anyone seen the programme \'Dont get done, get Dom\'? Should of got that guy involved. He\'d of sorted it out in a day and it would of been all over the TV to :D

Adam

There so screewwweeeddd

You should report this to watchdog:

http://www.bbc.co.uk/consumer/tv_and_radio/watchdog/contact_index.shtml

Get the scum on TV!

^^^Thats a really good idea^^^ if they act like this alot you cant be the only one they ve done it to.

neil

Hi. I\'m a member of the celica-club, and there is a link to this thread on our forum.

I\'d like to add my support, and say that I for one won\'t be using Highway Robbery for my insurance after hearing their about their behaviour.

This is what I wrote on our forum

QuoteThey should be shunned for this treatment.

What happens if you buy a second hand car. You can\'t be expected to know every mod (if there any) that has been done to the car. Some are very small, and the average person wouldn\'t have a clue that its there. Therefore to have an engineer find one and then the insurance company refuse to pay out, is frankly disgusting.
I\'m sure that there are a lot of cars that have been modded, then demodded, and sold on, that still have remnants of the mods remaining in the car.

I hope Watchdog get involved.

Just to let you know you now have the full support of the skylineownersclub !!!!

A thread was posted up today, and i for one am digusted at how you have been treated, but well impressed with the support you have received from fellow forum members!

Give HELL m8!!

Great how news of this has spread through the different car clubs....When it comes to insurance companies, seems we all feel the same way. Hopefully the Highwaymen will lose a lot of business through all this negative publicity.....:cheers

Hi there
I own and run ClubRWD (www,ClubRWD.com) and had this thread poiinted out to me, I am shocked beyond beleif that Highway have treated you like this.
I have added them to a DO NOT USE in our insurance forum.

One point, if they DO browse this board dont post up too much info or you will pre warn them so they can come up with further excuses not to pay.

Give them hell mate, All the best.

Hi, I hope you don\'t mind me joining. I\'ve been a fan of the RXs since I was knee high.

Anyway more to the point I have just come over from the Mk3 supra.net community to extend my/our support for your fight against the Highway robbers. I think it\'s disgusting the way they\'ve treated you Blitz, and I for one as well as the rest of the mk3 board are rooting for you chap. Don\'t give up. http://www.forum.mkiiisupra.net/showthread.php?t=13546 (http://www.forum.mkiiisupra.net/showthread.php?t=13546)

Now THIS is testament to how useful a comodity the internet can really be! back in the day you would be a lone man standing in the shadows Mark and Highway would be straight on to rip off the next guy ................................. the revolution just got publicised!!!!! 8o)

FIGHT THE POWER!!!! lol

next chapter out tomorrow chaps, just recived a letter from them, will post on here.

Thanks for all the nice comments from all our fellow Car club forums.

Fight the Power!!!

Quote from: BlitzBoynext chapter out tomorrow chaps, just recived a letter from them, will post on here.

Thanks for all the nice comments from all our fellow Car club forums.

Fight the Power!!!

look forward to reading it

Have they finally seen the light??????

Here is their latest response let me know your thoughts guys.

" Thank you for your recent letter dated 4 August 2006, informing us of your dissatisfaction with the handling of your claim. I am sorry that you have had cause to complain about the service that you have recieved.

I have escalated the matter to the Mr D Salter, Head of CVU, who will now conduct an investigation into the circumstances and provide you with a final response in accordance with our complaint procedure. You should receive our final response within the next 10 working days, although occasionally investigations may extend beyond this peroid. In the unlikely event that our investigations extend beyond 4 weeks, I shall contact you in order to provide you with additional guidance on what action you may then take.

Please note that in the unlikely (sounds promising to me lol) event you remain dissatisfied after recieving our final response, you may ask the Financial Ombudsman Service to review the matter.

Yours sincerely

Cheryl Bonnett
Senior Customer Care Advisor "

Dont quiet understand the bit where the say you \'should\' hear back in 10 days but the investiagtion might take 4 weeks?!?
Sounds good though from what the last bit says :D:D:D:D

Adam

One would hope they take into account not just the lettering of their weasley contract but also the spirit of fairness that should apply to all contracts.

Failing that they should realise the PR/reputational disaster this is for them amongst the modified car community...

I find the inclusion of the word \'unlikely\' in the final paragraph a little strange. Can\'t see why they would pre-empt the results of their full enquiry in this way. It does sound promising, but I would advise you to keep your expectations modest at this stage and in 10 days time hopefully all will be revealed.

Well Spoke to Reworx today and some other good news, The fuel leak was not caused by faulty connection or a Mechanical failure of a fuel pipe.
It seems my car had some kind of rear accident and repaired over in Japan as they have found evidence of welding, looks like when Jap repairer refitted the overflow fuel pipe on the neck filler this was not done correctly therefore leaking out fuel on a full tank. The Insurance engineer should have picked this up ,so points to their engineer has not properly looked at the cause of the fire, seems their engineer is a bit of a monkey.

Well, if you can discredit their engineer, you\'ve pretty much won the case. If it ever got to court, a decent lawyer would take them to pieces.

They must pay they guys in peanuts then!! :rollin

Adam

They might as well just bend over now!!!! and be prepared for penetration  

Neil

Its good that they responded to your letter promptly Mark,it means that its in their \'complaints\\unhappy customer\' system,do not expect anything from them at the moment !!!  I have learnt..that the English people will word their letters in such a way that it could go either way,always a double meaning....:yes .Only get excited when you have money in your hand...:guinness

Quote from: BlitzBoyWell Spoke to Reworx today and some other good news, The fuel leak was not caused by faulty connection or a Mechanical failure of a fuel pipe.
It seems my car had some kind of rear accident and repaired over in Japan as they have found evidence of welding, looks like when Jap repairer refitted the overflow fuel pipe on the neck filler this was not done correctly therefore leaking out fuel on a full tank. The Insurance engineer should have picked this up ,so points to their engineer has not properly looked at the cause of the fire, seems their engineer is a bit of a monkey.

I would expect this to put a slightly different complexion on the whole thing.  Hopefully a good one!

Thread now cross posted to Scoobynet and Surrey Scoobies. We\'re now watching too!

It could work in your favour or not, what happens if they won\'t pay up due faulty workmanship carried out on the car?

I dont think they have anything in the exclusions that can claim they wont cover Faulty Workmanship, this would mean they wouldnt cover cars that have inherent design faults as they could claim this is faulty workmanship. I mean the whole idea of fully comp insurance is to cover every eventuality. How can an owner be responsiable for faulty workmanship?, so long as an owner looks after his car eg servicing, MOT and has furfilled his obligations in having the car road worthy and had not delibrately or maliciously damaged the car cant see them not paying out.
The fire policy covers for the subsequant fire resulting from mechanical failure in my eyes, as most type of car fires are caused by some type of mechanical fire anyway.

As long as the car has an mot really it is considered road worthey is it not. Fully comp insurance is surposed to be that comprehensive. Maybe Highways should look up the definition of comprehensive in the dictionary. There are exclusions in fully comprehensive ,ie if the vehicle is damaged in an act of terrorism, civil unrest, due to war but fire is most definatly covered.

Would Mechanical Failure be considered an act of God I wonder???

Over 15,000 views of this thread now, if they dont pay up that will be a lot of people telling there mates how highways rip people off.

I have posted this on seatcupra.net

http://www.seatcupra.net/forums/showthread.php?t=95725

We have over 14k members 8k active every month.

You have all of our support, Highway are gonna regret this!

GOOD LUCK!

And on Passion Ford, huge member base

Quote from: BlitzBoyWell Spoke to Reworx today and some other good news, The fuel leak was not caused by faulty connection or a Mechanical failure of a fuel pipe.
It seems my car had some kind of rear accident and repaired over in Japan as they have found evidence of welding, looks like when Jap repairer refitted the overflow fuel pipe on the neck filler this was not done correctly therefore leaking out fuel on a full tank. The Insurance engineer should have picked this up ,so points to their engineer has not properly looked at the cause of the fire, seems their engineer is a bit of a monkey.

I noticed that repair job while I was down there, can\'t believe there engineer could be this incompetent :Grrr

Good luck Blitzen

Posted to Honda Revolutions as well.

Things are starting to look up a little, I hope you get this all sorted - it seems disgraceful to me!

Good luck!

Dave

Best of luck persuing your claim. I am glad that i\'m not with Highway!

An additional note: They cannot use anything you say on the internet forums against you in any way. You are not under oath on here and could by lying through your teeth, or for all they know, 10 different RX7 owning friends of yours could also be using your account and maybe these friends do race their cars etc. To be honest I can\'t believe they even mentioned that!

Thanks for all the support from all the different car owners :)

Yes I realise they cannot use what I write on here in the case, but I have tried to be very open and honest with my comments , and disclosed all the facts from all sides

Speak to watchdog as well, just an idea :)

Quote from: BlitzBoyThanks for all the support from all the different car owners :)

Yes I realise they cannot use what I write on here in the case, but I have tried to be very open and honest with my comments , and disclosed all the facts from all sides

I use the alias BlitzBoy. I am the real BlitzBoy (wrong thread) :Thumbsup!

just a quick hello from //www.rovertech.net !! we have a link on here too :D http://www.rovertech.net/forum/viewtopic.php?t=57161

i am already a member here as i am/was thinking of buying an RX7.

this does go to show what can go wrong if you don\'t declare the slightest mod!! ( not saying you haven\'t !! lol!! )

good luck chap. even if you do get your money, sue that fcuking hammond anyway!! and the bloody engineer!!! fecking gimps!!

Hi mate  , picked this up from a VW forum.  This is absoloutly shocking, i\'m also with highway. I won\'t be using them again, most of the people on the forum where i saw this won\'t be using highway either!  Big forum too over 3000 users!

All the best dude.

Good luck with this one mate, really hope it all works out for you.

 Just posted it on SXOC and its already on Dritworks.

I can imagine the monkey dealing with this thought he was being really clever by bringing the forums into this. I can imagine how clever he will feel when his management realise he has sh1tcanned the company in a thread read by 17,000 of their target market. Say bye bye to your job sunshine:WaveBye

Good luck with this matey (http://www.club323f.com/club323f/forum/images/smiles/icon_thumleft.gif)

I run Club 323F (//www.club323f.com) and a link to this thread is posted there too: //www.club323f.com/club323f/forum/viewtopic.php?t=10677


Mark

Quote from: DomwhiteSay bye bye to your job sunshine:WaveBye

Damn Straight, he deserves it and I reckon Highway insurance will either have alot of grovelling to do to get us people back on their books or they will simply stop covering modded cars, either way we win.

I do hope im wrong about what is said on here being used in evidence as Phil pointed out, it was just a concern that I chose to voice.

Hi from Volkszone

http://www.volkszone.com/VZi/showthread.php?t=289715

Apologies if I\'ve missed it in the thread, but have you actually posted up the policy wording about mech failure that they are relying on ?

Could you (scan it and post the pic maybe if its a pain to type it out ?)

Not seen the policy, so obviously can\'t be sure, but - as a lawyer, but not an insurance lawyer or expert - I would be very (very!) surprised if they are right about this.

It would be worth knowing what the policy actually says though

If you are right - and your policy confirms this - IMO you should be prepared to look at taking this to Court.  What\'s your claim worth ?  If its less than £5K you would probably be on the small claims track, very informal, very limited costs risk for you

Start here:

http://www.dca.gov.uk/civil/procrules_fin/contents/parts/part27.htm

If you go this route, read the rules carefully, and read everything you get from the Court carefully - you don\'t need to be a lawyer, all the info is there, you just need to take your time and be careful

Best of luck, and post the wording up ?

Quote from: PhilAn additional note: They cannot use anything you say on the internet forums against you in any way. You are not under oath on here and could by lying through your teeth, or for all they know, 10 different RX7 owning friends of yours could also be using your account and maybe these friends do race their cars etc. To be honest I can\'t believe they even mentioned that!

Quote from: BlitzBoyYes I realise they cannot use what I write on here in the case,

I really think that\'s just not right (I\'m meant to know about this stuff ;) )

it might not be as strong evidence as other forms of evidence (such as oral witness evidence in Court), and if there was any real doubt about who said it then it would be very weak evidence,  but there\'s no bar at all on it being used....  (in a civil case such as this anyway)

[EDIT:  

Is this, what the policy says ? (from the Highway website, standard car policy)

(http://www.blag21.pwp.blueyonder.co.uk/fire.JPG)

If so, I agree 100% with previous posts on here - this is not an exclusion of damage resulting from mech failure, it is an exclusion of the cost of remedying the mech failure itself.

In the same part of the policy, where they mean to exclude damage resulting from something, they use that exact phrase.  The \'presumption of internal consistency\', as well as the ordinary meaning of the words used, means they haven\'t got a leg to stand on


Finally, if you get no satisfaction, why not drop this guy a line:  http://www.highway-insurance.co.uk/highway/uploads/press/LeeRadleyapptV3-04.06.pdf  ;) ]

Yes Cheeky thats exactly what the policy says.

Well Im going to wait for their final word in the next ten days, if they still say no, then onto the Ombudson with the case, then if still no joy then I was use my legal protection to pursue it

Quote from: BlitzBoyYes Cheeky thats exactly what the policy says.

Well Im going to wait for their final word in the next ten days, if they still say no, then onto the Ombudson with the case, then if still no joy then I was use my legal protection to pursue it

I doubt your legal protection policy will cover it - check its terms carefully

But you can do it yourself in the County Court very easily

this leaflet tells you how

http://www.hmcourts-service.gov.uk/courtfinder/forms/ex307_0206.pdf

This is really bad for you BlitzBoy, and I hope the whole thing goes in your favour in the end.

I am only surprised John Yorke hasnt come on here and said : "this thread needs to be locked until we get the vendor to state their side of the story"

I am glad that for once we have the Customer\'s bad experience out in the open, and people power seems to be doing some damage to Highway. I dont have anything against Highway, but any Company who treats Customers like dirt, and there are too many of those around, NTL , Tiscali, etc, etc...

I have to ask....why are you doing all the running around????

What broker did you go through, as i don\'t believe you can get policies direct from highway themselves.

Surely they should be sorting this mess out for you

Posted on Briskoda.net, a few members already commenting on cancellation and non renewal of their policy,

Good Luck :D

Hi, Been passed the details of this one from another site.

I actually work for an insurance co, in claims, please don`t shoot me. For reasons i`m not going to say who. But before you ask it`s not highway.

Just to help on a couple of points. The reason for the complaint letter wording is that it`s a standard letter. They are following the complaint procedures set out by the FSA.

This is why it has the strange wording, "if you are still not satisfied". It`s because they may or may not resolve the complaint to your satisfaction.

Only after you have received their "final response" letter can you complain to the ombudsman, the FOS. Their system is quite easy to deal with and i`d go there before going anywhere legal.

You will also probably find that your Motor policy legal cover has a clause to stop you using it to sue your insurer :( so you`d either have to pay for it yourself or use a legal cover you have elsewhere. The ombudsman is pretty fair though.

Hi, Been passed the details of this one from another site.

I actually work for an insurance co, in claims, please don`t shoot me. For reasons i`m not going to say who. But before you ask it`s not highway.

Just to help on a couple of points. The reason for the complaint letter wording is that it`s a standard letter. They are following the complaint procedures set out by the FSA.

This is why it has the strange wording, "if you are still not satisfied". It`s because they may or may not resolve the complaint to your satisfaction.

Only after you have received their "final response" letter can you complain to the ombudsman, the FOS. Their system is quite easy to deal with and i`d go there before going anywhere legal.

You will also probably find that your Motor policy legal cover has a clause to stop you using it to sue your insurer :( so you`d either have to pay for it yourself or use a legal cover you have elsewhere. The ombudsman is pretty fair though.

Thanks for the info GeneralBob most helpful in regards to the wording they used

You\'ve already registered this event with the Ombudsman havn\'t you Mark?

Like General Bob says, its a standard letter sent out as a kneejerk reaction to a letter of complaint, I think every single piece of mail that leaves our company is a standard letter or Template even letters containing event specific details are usually encapsulated with standard wording.

Its sad to say that it looks like they will go to the beaches with this one, you\'ve just got to hang in there and fight them all the way mate!!! stick with it fella

Quote from: ShyneYou\'ve already registered this event with the Ombudsman havn\'t you Mark?

Yes one of the first things I did, I have a case number, they said to contact them as soon as I recieve the final decision.

Well Im going all the way with this one

So who is the broker then???

The AA, I lodged a complaint about Highway with them again they said to wait for the final decision before they can do anything

The AA should be sorting all this out for you really, that is what you pay them for.

I would advise to speak to the AA again and get them to help you.

I had a problem with an insurance company once, and my broker (not the AA)went out of their way to help me.

I have spoken to them a few times and they wont do anything until the final decision

Fielder here from cruise-herts.net and golfgti.co.uk

Just to let you know we\'re all reading this and checking our own insurance. Im stunned at how they have treated you. Keep fighting the fight my good man. we are all rooting for you :Thumbsup!

Cheers Fielder!
hopefully I will hear something from them next week as it would have been well over ten days then

Blitz....I think you\'ve just started an Insurance Revolution....:cheers

The AA!!!!  What a bunch of Tw4ts !!

Had an EGI once, and  I was stupid  enough to go with them for the first year, because I didnt know any better. When it came time for renewal,  their best quote was £250 more than what I could find. They sent me this letter saying they had "researched" the insurance companies to get the best deal .

I wrote back to them tell them their research was done on the best profit and not the best deal for the Customer!  Of course, I never heard anything back from them.

Lets get the revolution going, these guys have a captive market, because we have to have insurance - so, basically, we are screwed anyway. But just maybe we can start pushing them to treat us right.

Anyone put this on the MX5 OC forum yet?

Yes the revolution has began, if they still say no with the final offer, im going to set up a website along the lines off //www.HighwayInsuranceSucks.co.uk

Sorry to have read through through all this and still hear your waiting to resolve the situation. I really can\'t believe after such a narrow escape from your car you have to deal with the insurers. Still what doesn\'t kill you will only make you stronger!

Have posted this up on //www.gt4oc.net as well.
Just coming to that time of year and spent all of yesterday ringing insurance companies.
And sure enough, a couple of them gave me quotes underwritten by Highway Insurance! Thank God they weren\'t the cheapest quotes, though!

Good luck with the case!

Have posted this on //www.gt4oc.net also.
Just coming to that time of year and spent all of yesterday ringing insurance companies.
And sure enough, a couple of them gave me quotes underwritten by Highway Insurance! Thank God they weren\'t the cheapest quotes, though!

If anyone has shares in Highway - as news begins to spread things could take a downward turn for them.

At the moment the pace is so so, but news leaks quickly so keep a watch on the tickers :

http://www.sharecast.com/cgi-bin/sharecast/security.cgi?csi=12314

http://www.londonstockexchange.com/en-gb/pricesnews/prices/system/detailedprices.htm?ti=HWY

and also

http://www.northcote.co.uk/company_links/alpha.asp?SIT=1&ALR=H&SDL=NI01372

My insurance is up soon - I wont be using them

The last link made interesting reading
"This year Highway will have more than 600,000 customers representing total premium of £247 million."
Lets hope at least a couple of thousand of their customers have read this thread

That\'s what I was thinking ! ;)

My underwriters are now a company called Jubilee, they seem to have some good policies and dont charge for basic mods either :D

Quote from: BlitzBoyThe last link made interesting reading
"This year Highway will have more than 600,000 customers representing total premium of £247 million."

If my mental arithmatic is right that makes an AVERAGE premium per customer of just over £400... seems quite high when you consider a fair chunk will be driving around in very basic cars; Must be the modified car community that bumps the average up....:bandit

or young drivers, convicted drivers, male drivers, or any other group that insurance companies choose to increase their premiums on

Share holders: Sell now b4 you have to pay someone to take them off your hands.

Still watching this with bated breath Blitz. It will be interesting to see how they try to wriggle out of this fiasco that they have brought on themselves. Well I guess they must take their example from our sucessive governments who in turn have been ripping us off for ages. It\'s good to see that someone is finally taking a stand and saying that enough\'s enough!! All these rip off merchants right from the top of the ladder need a damn good:flamed

hi

joined this site a while back when i was looking for a new car, i am also a registered dealer and fitter for highpower/noswizard system i also moderate and advise on their board
//www.noswizard.com/bboard
//www.mashamoto.com

if there is anything i/we can do to help please let me/us know

ill post this on the highpower forum later today if you dont mind....i find this to be very bad service from highway insurance

regards, brian

Quote from: T.F.S.hi

joined this site a while back when i was looking for a new car, i am also a registered dealer and fitter for highpower/noswizard system i also moderate and advise on their board
//www.noswizard.com/bboard
//www.mashamoto.com

if there is anything i/we can do to help please let me/us know

ill post this on the highpower forum later today if you dont mind....i find this to be very bad service from highway insurance

regards, brian

LOL @ SPAM ADVERTISMENT

Quote from: AdriansturgessIf my mental arithmatic is right that makes an AVERAGE premium per customer of just over £400... seems quite high when you consider a fair chunk will be driving around in very basic cars; Must be the modified car community that bumps the average up....:bandit

I suspect you\'ll find that Highway are an insurer aimed at higher risk cars/drivers. I have only ever had highway quotes or policies as a young driver and/or with a higher group vehicle, never with a bog-standard car.

Hi, I am the head administrator for the Ssangyong owners club (Korean 4x4\'s for those who dont know) and one of our members posted about this on our forum. It is quite worrying since most 4x4\'s that are actually used offroad will have been modded in some way or another and would probably fall foul of the rules of this insurer.
Whilst I assume that a lot of mods made to RX\'s and most sports cars are to enhance performance most mods to 4x4\'s are to enhance safety for using them off road but would still be loaded by the insurance co\'s in the same way.
I hope that you are sucessful Blitzboy so that this thing doesnt become the norm for modded vehicles. I am sure that you can add all 2200 members of the Ssangyong owners club to the many others keenly awaiting the outcome of this travesty.

Quote from: sadgothI suspect you\'ll find that Highway are an insurer aimed at higher risk cars/drivers. I have only ever had highway quotes or policies as a young driver and/or with a higher group vehicle, never with a bog-standard car.

In which case getting a load of bad press on all of these performance oriented car forums and sites is doing them absolutely no favours at all. I strongly suspect that a certain Highway employee\'s holiday may get extended indefinitely :spank :spank
 
Ticker tock ticker tock....

Could someone with more PC knowledge explain how i can send a link for this to other clubs i use, which are The Granada and Scorpio owners Club (//www.gs-online.co.uk )
and also  Ford Probe owners club (http://www.fpoc.co.uk/) i need help to do it right first time please,
Cheers Bob

Quote from: ro284Could someone with more PC knowledge explain how i can send a link for this to other clubs i use, which are The Granada and Scorpio owners Club (//www.gs-online.co.uk )
and also  Ford Probe owners club (http://www.fpoc.co.uk/) i need help to do it right first time please,
Cheers Bob

You need to copy and paste the URL (web address) exactly as shown below in the code box. Should work fine. You can always preview your post and check if it works.


http://www.mazdarotaryclub.com/forums/showthread.php?t=28074


Bob, if you look in your browser - just highlight the whole line in the \'Address\' area which looks like http:/www.mazda.... - then on your other forum paste this into another thread - if you have the \'Insert Link\' icon which looks like a globe with a chain on it then use that to stick it into a new message thread.
 
Job done.:yes

Thanks Rob. Prof, i did it cheers, i was wondering if there are other clubs (3 more of mine!)  will be viewing this thread if it would be good to put that awfull picture of blitzboys car ablaze on here as well, (at the beginning if poss!) guess it\'s Marks decision though,what you reckon?
Bob

Wow , have you seen how many reads of this thread, well over 20,000 with only 195 posts, thats nearly as mainy reads as winner thread which has over 6,5000 posts.
Thats an awful lot of readers

Quote from: ProfBob, if you look in your browser - just highlight the whole line in the \'Address\' area which looks like http:/www.mazda.... - then on your other forum paste this into another thread - if you have the \'Insert Link\' icon which looks like a globe with a chain on it then use that to stick it into a new message thread.
 
Job done.:yes

Just to make it more clear.....


Bob, if you look in your browser - just highlight the whole line in the \'Address\' area which looks like http:/www.mazda.... -
Then from the menu (at the top of Internet Explorer) click EDIT, then COPY ( its copied into memory, called clipboard, and now its waiting for you to paste it somewhere)

then on your other forum ..

SO now you go to the other forum in your Internet Explorer, and start your new thread. Then in the body of the thread, click EDIT - PASTE

Many thanks for that Martin, i\'m ok with it now, gratefull for the help, just wondered that i\'m diverting the thread a bit, some guys in other clubs finding it a bit heavy going to read it all, wonder if it would be a good idea for a mod to remove all the unre-lated bits like mine, and wonder if Mark would include a pic of the awfull event,
Cheers Bob

If a mod wants to put this on the front of the thread be my guest as I dont have admin rights

Hi all, I\'m from the Ford Probe Owners Club thanks to a link from Bob. Yes mate, your link worked:Thumbs-up

 I\'m currently with Highway Insurance and needless to say, I won\'t be with them again next year when I\'m due for renewal:Nono! I hope they are keeping tabs on this post because everyone who is with them so far over on FPOC have said that they will be leaving them on their renewal date because of this:Laugh

 I\'m only insured third party, fire and theft anyway as the Probe isn\'t worth as much as your lovely cars but I should be insured for FIRE, and according to this case, I\'m not:mad: If they aren\'t paying out due to a machanical fault, then they are obviously selling misleading insurance so blitzboy, take it all the way mate, you are 100% right in saying that they should payout!

 Put it this way, you pay your insurance to be covered for fire! What causes a fire in a car, either a machanical or electrical fault. If they say they aren\'t going to pay out because of either of those, then their insurance is worthless. The only other way for the car to catch fire is for you to throw a match to it and then your insurance would be invalid so they are saying that you pay for fire insurance but you can\'t claim on it, that seems like theft to me, of your money!

 Take it all the way mr Blitz, you may even be able to sue them because of it. maybe a long shot but I can\'t see why not. And why the hell is their mechanic, dismantling your property? the vehicle only becomes their property when they have paid you for it and you agreed to not have the car back. Destruction of private property, another case to sue their ass for!

 And before the Highway Insurance snoop tries to find out who I am to give me a hard time, don\'t bother! I never claim on my insurance anyway as i think it\'s a waste of money and my premiums will only shoot up to £1200 if I lost my no claims and it\'ll cost me less than that to get another probe:guinness

(http://i22.photobucket.com/albums/b325/Shinogi/sigpic.jpg)

(http://www.mazdarotaryclub.com/forums/%5Bimg%5Dhttp://i22.photobucket.com/albums/b325/Shinogi/sigpic.jpg%5B/img%5D)

hi,  just popped in to give you some support, (thanks to bobs link on gso)

i cant see any way you will not win this case, this will be a great victory for you, and for EVERY motorist. highway will lose masses of business, as word of the way you have been treated is spreading like wildfire.

since the link on gso (lastnight), it has be linked again, on at least 7 motoring forums that i know of, and no doubt they will be linked again, im guessing around 100 forums must know about this now, and how many members in each forum, linking it again? this is all over great britain.

if they dont settle your claim soon, they could well bankrupt themselves next year, do they realise how many potential customers are awaiting the outcome of this, not that anyone who has read this thread would ever consider insuring with them.

wishing you all the very best (no luck needed)

Russ

proud owner of a classic ford granada.

Im currently insured with highway. I will not be using them upon renewal.

hi there, sorry to hear about your car and them money grabin tossers not paying up. hope they **** them selfs when they read all the thred, im with highways and wont be going back to them when its due for renewal, just to let ya know im a member of //www.street-stylers-southwest.co.uk  i play quite a big part in the club and have posted a link on there as we are not far off 2000 members. we also have alot of contacts including ross that owns dragon  ( i think some of you may have come across him as he rebuilds rx7s on the out skirts of exeter in the southwest) and will be letting them know about this. hope ya get a decent result cheers lee

This is now up on the Scorpio Owners site, 3000+ registered users

http://www.fordscorpio.co.uk/cgi-bin/yabb/YaBB.pl?board=news;action=display;num=1156533129

Hope you get the right result on this, Highway are being shabby in chopping your claim. Had 66 views on the link from our group so far doubtless there will be more.

Good Luck

Geoff

cheers Guys for the support , I hopefully I will get a letter from them this week

Hi guys, I own and run the Volvo performance club UK and a link to this was posted yesterday:

http://www.vpcuk.org/forums/t13195-insured-are-you-sure.html

I think these people are appauling, I along with many others pay for my mods on top of my policy each year, for them to then say get lost !

They should be written off the insurance planet instantly.

Anyway, rant over, just thought i would show some support on behalf of us lot, we have links to many other major automotive based internet sites and the word has been passed already. Lets see if we cant put them out of business by the end of the year :)

Nice forum btw, looks alot like mine without Volvo\'s lol.

If you guys need anymore weight with this give us a shout :)

Regards

Justin

Cheers Justin

Well they have had 12 working days to reply so they are in breech of FSA guidelines now! If I dont hear anything by Monday I will write another strong later informing them they are breech giving me more ammo that they are a micky mouse company

Watch out for the buggers altering the date on the letter - make sure you check the postmark date on the envelope.

Now also posted on //www.scorpiounleashed.org.uk

Hope you get it sorted soon!

:flamed  Highway Insurance

Well got a reply from them today, thinking it was the final decision letter ohhh but no I was wrong I have to fduking write to another department for that if I am unhappy with their reply to the complaint!

Yeah too right im unhappy, drafting another letter to them and the other department as we speak..... oh I have attached the letter below, notice they have dropped the Nitrous claim they had against me! yeah to right they dropped it because their so called engineer is wrong! They still insisting I race, I will contact Clive so he can say something to the effect that RSIII is a car show with timed runs not BL**dy racing!! I do not hold a race licence!! cant they get that through their thick heads! and as far as I know I have not entered any GT championship events only in my dreams!!!! argggggggghhhhhhh

letter below from them


"Thank you for your letter of the 4th August 2006, which has been referred to myself as the person responsible for complaints in the Claims Validation unit. Your complaints against Highway Insurance concern the way in which this matter was dealt with and the outcome concerning the indemnity for the above incident. I have now fully looked into the matter for you.

I am sorry if you found our claims process concerning. I have noted your comments and investigations has confirmed that the process was correctly administered throughout the period of dealing with your claim. You should rest assured I would take the appropriate action if any member of my staff failed to meet the high standards of customer car, which we insist upon and which customers are entitled to expect.

Your claim was primarily declined because the incident fell outside the scope of the policy. The Surrey Fire & Rescue Service extract of fire report states: “Accidental – Fuel supply hose disconnected whilst vehicle in motion, causing fuel to spray into and under luggage compartment. Ignited when indicator tuned on to pull into layby”.
The engineering evidence we have obtained has further supported this. Your policy clearly states under Section 2 Fire & Theft, “What is not covered, Wear and tear, mechanical, electrical, electronic and computer failure, breakdowns or breakages.” As the fire was caused by mechanical failure there can be no cover for damage to the failing part or parts.

The policy under General Exclusions states: “This Contract of Motor Insurance does not cover claims arising from any of the following: 7 The insured Car being used on any form of race track or off-road activity” When this office interviewed you on the 3rd July 2006 you were asked if you had ever raced this vehicle and if you were planning to race on the day in question. On the recording you stated, “No, I’m not good enough”. When asked at the end of the interview “ Do you agree that everything you have told me is to the best of your knowledge and belief a true and accurate account of what did eventually happened?” you replied “yes”. You were then advised. “I must advise you that should Highway Insurance later discover that any of the main details you have given us are deliberately misleading, we shall refuse to pay your claim and report such matter to the police for prosecution”.
Highway Insurance has subsequently discovered that you have raced this vehicle previously and on the incident day you were listed to race. Not only is racing of any description outside the scope of the policy, but it also falls outside the scope of the underwriting criteria and had Highway Insurance been aware of your racing the insured vehicle at the inception cover would not been given.

Regrettably I can see the no grounds to rescind the decision made in our letter of the 21st July 2006.

I trust that I have clarified our position and that you now fully understand the explanation for my decision on this matter. If however, you feel that I have not fully addressed your complaint, you should within eight weeks, write to the Compliance Manager Highway Insurance at 171 Kings Road, Brentwood, CM14 4EJ, to review the matter for a final decision. We shall consider the matter resolved should we not hear from you in this time. If you remain dissatisfied after receiving our final decision, the matter may then be referred to the Financial Ombudsman Service, details of which we will gladly provide should they be required.

Yours Sincerely

David G Salter"

I have a feeling in my waters that this is one of many to and fro letters,however in saying that.Highway will lose even more monies the longer they take to settle this dispute.At the end of the day if they do not satiisfy you,I am sure they will be forced to make a few people redundant !!!!!!!!,then close BITCHES !!!!!:Typing

These guys are absolute scum,

The racing thing is totally irrelevant to this claim.
If it happened on the strip fair enough, fair cop, but it happened on the roadside.


Their policy wording above suggests that any fuel fire would result in them not paying as it would have to result from a mechanical failure of some sort or wear and tear, how else could it be caused ??

This makes no sense to me... I wonder if my insurance is worth the paper it\'s written on.

I am going to write to my insurance company giving this as an example and see what they say because I take my car on track days , drag days etc and whilst I accept I wont be covered on the track, I expect it not to otherwise affect my policy....this is just absolute drivel I\'m sure...they just dont wanna pay out at any cost.

Racing by definition is in competition, a rwyb event is not competition.

It sounds like they are refusing to pay on the grounds that you \'have raced\' and said in the interview that you did not \'race\'.
 
It also sais that they will take the matter up with the police, so the implication is that the boys in blue are on there way round to your house Mark :spank
 
Or probably not, as I suspect this is a standard secondary refusal letter, and they probably know they have no grounds to bring any form of criminal prosecution against you.   The fact they have printed this accusation means they are potentially opening themselves up for prosecution under Libel (as this is in written form), but it all depends on the definition of \'Race\'
 
According to the free dictionary (http://www.thefreedictionary.com/race), we are all guilty of racing, so all insurance is void !!
 
However, since they have come to the conclusion that the fire was started by your indicator and a leaky fuel pipe as you pulled into a layby, I would imagine that your speed was virtually 0 Mph, and there was probably no competetive element to your doing so.  By any definition, parking a car is not racing :Nono!
 
 
Good luck with the next round :yes

Exactly Dave!! thats what Im putting in my reply letter to the other dept with other few choice words, I will also put a reference to this thread as well and hopefully they will read it and show them the power of the internet and people like us are fed up with certain insurance companies taking the pi$$ and hoping we will lie down and take it

Thats sh1t. These people really are scumbags. I have posted links to this in several other non car related forums as well as a few news sites.

I hope the pricks rot for this,******s!!!

All the best Blitzboy, the country is rooting for you mate!:King

Maybe we should start a national press campain, GMTV and the Sun to start with then the broadsheets.....hahaha

QuoteBlitzboy, I will also put a reference to this thread as well and hopefully they will read it and show them the power of the internet and people like us are fed up with certain insurance companies taking the pi$$ and hoping we will lie down and take it

Before you do that Mark, do you think there is any possibility this could backfire and damage the club in anyway? To them it is an on-going dispute! could they take action against or sue the club?
I wish you well of course matey, but must say i am a bit worried about this!
Anybody know how the club stands??
cheers Bob

Good point above ^^^^

Club could be sued for hosting potential liable :reallymad

Well Clive has been reading this thread, I have only posted facts, if he felt this was a danger im sure he would delete the thread or certain posts.

If he does feel it needs to get deleted this is not a problem as I will host a website with this story and post a link from here to it

QuoteRed & Single  Club could be sued for hosting potential lible

Well that\'s how i see it! I also feel It would not be in the Club or Blitzboys interests to give them the upper hand or advantage/power!

Bob

I don\'t think the club is in any danger from this.....I personally don\'t think an individual jobsworth in the company will back down though, no matter what the groundswell of opinion is on the various forums. I think now they have put forward their case they will defend it stubbornly to the end. I think this is a case that absolutely DEMANDS to go to court because I think a half decent lawyer would take them to pieces....Perhaps we aught to see if there is any interest in making a test case out of this and petitioning for donations towards the potential legal costs to fight the case. No individual would have to stump up a lot of money, there are hundreds/thousands  out there who may be prepared to chuck a few quid towards bringing highway to task.

Edit...I wouldn\'t go out of your way to direct them towards this forum though Blitz. They may already be reading it of course (they have been on before at their own admission) but I don\'t think there is anything to be gained by it.

hmmm yeah I think you guys may be right I wont direct them to this thread/forum. I think I will just say that members of my club and similar clubs will not be using Highway Insurance from now on.

My reply would be something along the lines of:

"Thank you for your letter of the 4th August 2006, which has been referred to myself as the person responsible for complaints in the Claims Validation unit. Your complaints against Highway Insurance concern the way in which this matter was dealt with and the outcome concerning the indemnity for the above incident. I have now fully looked into the matter for you.

I am sorry if you found our claims process concerning. I have noted your comments and investigations has confirmed that the process was correctly administered throughout the period of dealing with your claim. You should rest assured I would take the appropriate action if any member of my staff failed to meet the high standards of customer car, which we insist upon and which customers are entitled to expect.

Your claim was primarily declined because the incident fell outside the scope of the policy. The Surrey Fire & Rescue Service extract of fire report states: “Accidental â€" Fuel supply hose disconnected whilst vehicle in motion, causing fuel to spray into and under luggage compartment. Ignited when indicator tuned on to pull into layby”.
The engineering evidence we have obtained has further supported this. Your policy clearly states under Section 2 Fire & Theft, “What is not covered, Wear and tear, mechanical, electrical, electronic and computer failure, breakdowns or breakages.” As the fire was caused by mechanical failure there can be no cover for damage to the failing part or parts.

I am not asking for you to re-emburse me for the loss of the fuel hose, I am however requesting compensation for the losses caused to my vehicle by the resulting fire. This loss IS insured as clearly stated in the policy.

The policy under General Exclusions states: “This Contract of Motor Insurance does not cover claims arising from any of the following: 7 The insured Car being used on any form of race track or off-road activity” When this office interviewed you on the 3rd July 2006 you were asked if you had ever raced this vehicle and if you were planning to race on the day in question. On the recording you stated, “No, I’m not good enough”. When asked at the end of the interview “ Do you agree that everything you have told me is to the best of your knowledge and belief a true and accurate account of what did eventually happened?” you replied “yes”. You were then advised. “I must advise you that should Highway Insurance later discover that any of the main details you have given us are deliberately misleading, we shall refuse to pay your claim and report such matter to the police for prosecution”.
Highway Insurance has subsequently discovered that you have raced this vehicle previously and on the incident day you were listed to race. Not only is racing of any description outside the scope of the policy, but it also falls outside the scope of the underwriting criteria and had Highway Insurance been aware of your racing the insured vehicle at the inception cover would not been given.

Can you please classify to me your understanding of the phrase "being used on any form of race track or off-road activity". Would you statement include parking on a private car park as an off road activity? Would the intention to use a private car park be required to be declared at this point in the interview also? I should remind you that at no point when I may have mentioned any intention to race on internet message boards in the past was I under oath, and since I do not remember making the statements shown in your evidence I ask you to a) prove that it was myself who made them and b) understand that any previous statement made by myself may have been subject to a later change of mind; and so whilst at some point previous to the event I may have intended to use the insured vehicle on a race track (at a licenced public \'fun day\' event where racing of any kind is strictly prohibited) it was clear in my mind on the day of the event that I had absolutely NO intention to race the insured vehicle or take the insured vehicle anywhere other than the spectators car park of the race track.

Had the insured vehicle been involved in an incident on a race track then I fully understand that a claim would not be honoured, however this incident occured on a public road and was completely un-related to any racing event whatsoever. You must take into consideration the fact that I was very distressed by the incident and the loss of my vehicle, which is also my prize posession, and your intense method questionning regarding the claim further increased my stress levels at the time.

I feel that this is completely unrelated to my claim and the cause of the incident, and frankly I am disgusted that you are trying to reject my claim on this basis.

Regrettably I can see the no grounds to rescind the decision made in our letter of the 21st July 2006.

I trust that I have clarified our position and that you now fully understand the explanation for my decision on this matter. If however, you feel that I have not fully addressed your complaint, you should within eight weeks, write to the Compliance Manager Highway Insurance at 171 Kings Road, Brentwood, CM14 4EJ, to review the matter for a final decision. We shall consider the matter resolved should we not hear from you in this time. If you remain dissatisfied after receiving our final decision, the matter may then be referred to the Financial Ombudsman Service, details of which we will gladly provide should they be required.

Yours Sincerely

David G Salter


Phew, let off some steam for you there :chat

I for one, would hopefully send you £5 towards fighting Highway, I am sure many others would.

Nice one Phil , my reply is using something similar to what you have used. I will post my reply letter tomorrow once I have finished with it.

Hopefully Martin it wont go as far as court, hopefully the Ombundsman service will resolve it

Quote from: Philsome really useful stuff

You sound like a lawyer (no offence intended!) and that\'re really good advice.  To summarise...

1) BB isn\'t making a claim for a parts failure but for the loss caused by a fire.

2a) There is no proof that BB claimed to race as the forum is not secure or viewed as a testimony under oath.
2b) The whole concept of racing is a huge red herring as it\'s irrelevant to parking a car in a layby.

I kinda tailed off in my sentance about how distressed you were, but you might want to mention how the situation may have affected your answers to their telephone interview.

Also you may have miss-understood what they meant by intention to use your car on a race track etc.

well did mis-understand when they said racing, I took as going on a circuit and going up against a bunch of cars . I mean RWYB are not race events so i answered accodingly

Book off work for a month due to the stress it has caused you,then sue them for some compenstaion and for loss of earnings as well :evillaugh

well I feel really stressed when I got that letter. Well at least im happy in the knowledge that have lost in excess of £20K worth of premuims by people reading this thread

and the rest !!!!!:guinness

Phil has the language they dont like, laywer speak, use that mate, they\'ll sh1t themselves !!

Quote from: BlitzBoyI will post my reply letter tomorrow once I have finished with it.

Yes, post it before you send it just to make sure you haven\'t missed a trick.....

I was talking to a guy the other day in insurance and he tells me Highway do huge numbers of fleet cars and lots of big name brokers.
It might be an idea to contact the major insurance companies and fleet companies and point them to this thread.
They might not want to be associated with Highway if they see the publicity they are attracting.

Quote from: BlitzBoywell I feel really stressed when I got that letter. Well at least im happy in the knowledge that have lost in excess of £20K worth of premuims by people reading this thread

Mate I would tell them that the way things are going, you feel like suing them for personal damages resulting from the stress and loss of transport they have caused you.

I would also be up for putting some cash in to help with the legal fees. If you do get a site up, maybe even contact some sponsors as this has 25,000 hits so far and thats great publicity!!!!!! Well not if your Highway:WaveBye

Quote from: MartinyI for one, would hopefully send you £5 towards fighting Highway, I am sure many others would.

I\'d definately chip in too.

Just one small point from their letter: I quote

Fuel supply hose disconnected whilst vehicle in motion

Reading that suggests to me that they are implying that the fuel pipe was physically disconnected, they don\'t say \'became disconnected of failed\'

Are they trying to suggest this fire was deliberate.

Just seems an unprofessional term to use.

John

I\'d be willing to contribute to the fight.

Have you thought about emailing a link of this thread to any news organisations?  Might get a spot on the news - then you can let Declan Curry fight them :god

Quote from: johnfJust one small point from their letter: I quote

Fuel supply hose disconnected whilst vehicle in motion

Reading that suggests to me that they are implying that the fuel pipe was physically disconnected, they don\'t say \'became disconnected of failed\'

Are they trying to suggest this fire was deliberate.

Just seems an unprofessional term to use.

John

It\'s certainly ambiguous which is something lawyers love to destroy in court :)

Quote from: johnfJust one small point from their letter: I quote

Fuel supply hose disconnected whilst vehicle in motion

Reading that suggests to me that they are implying that the fuel pipe was physically disconnected, they don\'t say \'became disconnected of failed\'

Are they trying to suggest this fire was deliberate.

Just seems an unprofessional term to use.

John

Maybe you should send them a picture of me trying to put it out to prove it wasnt deliberate!
I\'ll chip in a fiver for you to mate. :D

Adam

I have just got off the phone to my insurer enquiring wether or not I had cover given the same circumstances. They have advised me that it is a common exclusion on all motor insurance and basically it comes down to two things.

Any mechanical failure is either down to a manufacturing fault or the result of incorrect/non-existent maintenance, therefore it is not covered since it must be the fault of either the manufacturer, the owner or a garage!!

Apparently the FSA, one of the insurance governing bodies backs this exclusion in all motor policies.

PLEASE NOTE: this is what I have been told and is not my personal opinion. It may also be the case that the information I was given could be incorrect.

QuoteAny mechanical failure is either down to a manufacturing fault or the result of incorrect/non-existent maintenance, therefore it is not covered since it must be the fault of either the manufacturer, the owner or a garage!!

Not giving you a flaming here (As you say, not your opinion, but from an insurance company direct), but what!!? As far as insurance companies are concerned, those are the only reasons for mechanical faults!? What about normal wear and tear? Things fail! What about a wheel bearing failure - these will eventually happen, and although to get to the point so severe that it causes the crash is unlikely before you notice it - if that happened and you crashed, they\'re saying you wouldn\'t be covered!

I\'d hope insurance companies are more realistic than that!!

^ I agree, going on thier logic, if my car goes on fire I\'ll be aiming for the nearest tree so that I can say "the impact caused it" and I\'ll claim personal injury as well.

Any car thats gets serviced/MOT\'d is only passed for the time it is on the garage forecourt.  A friend of mine that runs a test station says he\'s had people arrive on bald tyres, swap their mates wheels over and then enter the car for the test, he has no choice but to pass the car and as soon as they have the cert they swap them back again.

Its like house insurance saying... that plug that was at fault... well it should have been maintained.

This definitely makes the blood boil!  

Edited by johnf

my self and the crew at street-styles-southwest.co.uk are happy to help with funds. we have had over 200 hundred hits on the link and im sure most would chip in a couple of quid each

yeah it just makes you think the "fire" part of an insurance policy is utter crap and is not worth the paper it is written on, false advertising I reckon.

But as been said before Syandi, they wont cover the "mechanical part" that has gone wrong but they should cover the "Subsequent" fire resulting from Mechanical failure

Quote from: oldoneBook off work for a month due to the stress it has caused you,then sue them for some compenstaion and for loss of earnings as well :evillaugh

Oh and keep all receipts for car hire, taxi fares and even shoes as you had to walk places that you would usually drive too.

Oh and "the hose diconnected whilst vehicle in motion" bit made me laugh. I actually thought that Super heroes were mythical beings out of a comic book. It goes to show how wrong one can be.

Anyway, here\'s one for my insurance company:

I got my car up to 250 mph whilst racing a 747 on the north runway at Heathrow Airport. I of coures beat him to the end then took off ahd landed on the moon 4 hrs later. Then went to the Lunar racetrack and raced martians and other inter galactic race car drivers. Won the Solar cup then headed back to Surrey and was home in time for tea.

Please feel free to quote me in court.

BB I too am willing to donate a fiver as I\'m sure would other members of my club.

Really they make there own laws, there saying that they will only cover fires that are started deliberately, as all other fires are started by mechanical faults for which the policy holder is not covered. personally i think they need lashing! for being such bastards!

Quote from: DC3 aeroOh and keep all receipts for car hire, taxi fares and even shoes as you had to walk places that you would usually drive too.

Oh and "the hose diconnected whilst vehicle in motion" bit made me laugh. I actually thought that Super heroes were mythical beings out of a comic book. It goes to show how wrong one can be.

Anyway, here\'s one for my insurance company:

I got my car up to 250 mph whilst racing a 747 on the north runway at Heathrow Airport. I of coures beat him to the end then took off ahd landed on the moon 4 hrs later. Then went to the Lunar racetrack and raced martians and other inter galactic race car drivers. Won the Solar cup then headed back to Surrey and was home in time for tea.

Please feel free to quote me in court.

BB I too am willing to donate a fiver as I\'m sure would other members of my club.

I do hope that members on this board do not think that I am trying to make light of the situation with my comments above, I\'m merely trying to emphasize the fact that we can all make up any cock and bull story to impress our peers. IMHO unless they have physical or visual proof off their allegations then they do not have a leg to stand on gleaning their clients posts as evidence.

Quote from: Rotary_MenaceReally they make there own laws, there saying that they will only cover fires that are started deliberately, as all other fires are started by mechanical faults for which the policy holder is not covered. personally i think they need lashing! for being such bastards!

Indeed :) Do they mean they only pay out in arson cases? If so, that\'s an interpretation of Fire cover I\'ve not heard before... Assholes the lot of them.

£5 from me to help the cause mate :)

Cheers,
Alex

whilst I baulk at the thought of putting fuel on the fire...(no pun intended BB)  I must admit that I had omitted that fair wear and tear as well would be considered as the owners responsibility, and therefore not covered under the policy.

In addition it is worth reading some of the exclusion clauses in your insurance documents and just how ambiguous some of them are. For instance the comment from alexb about arson...this could be argued that it comes under the "civil disobedience" clause...

Just makes you think what we are all paying for....

Also dont forget that anything, and I mean ABSOLUTELY ANYTHING you have fitted to your vehicle that is not an originally specified part can be used to wriggle out of a claim, this means that new stereo you treated yourself to could cost you the value of your vehicle should you need to make a claim. Or even the fitting of something that enhances the safety of your vehicle, like foglights!!

God it\'s depressing isn\'t it?! Funny how *buying an insurance policy* is a legal requirement but the insurance co. can take the **** when it comes to the time we have to claim on that legally required policy... Come to think of it, would state insurance be any better?

Anyway, the point about fire cover is surely not the cause, but the consequence. Keep it up BB :)

Cheers,
Alex

Hi there,

this thread has now found it\'s way onto delsolUK (http://www.delsoluk.com/phpBB2/index.php) and JDMy0 (http://www.jdmy0.com/phpbb2/index.php).

we agree that Highway Insurance has acted outrageously and they will lose some of our members as customers.

good luck

Cam

Quote from: ds2000^

Its like house insurance saying... that plug that was at fault... well it should have been maintained.

this IS the direction that the electrical and building  regulations are heading.

matt

Good luck with fighting Highway, if it does indeed go to the ombudsman, then you will almost certainly win. I have had to resort to using the ombudsman in the past and I am happy to say that I won.

This can\'t be the first time that this has happened and there must surely be a test case somewhere on the legal side of things. If it went before a court, you should have every chance of a victory, together with costs and expences etc.

Oh and guess who I\'m insured with?............yep - Highway.

Highway also cover me for trackdays, at an agreed £75 per event on the Skyline valued at £15K with all modds declared.

hello bubble!! how is squeak? say hello to moff for me!!

wasn\'t trax good this year!!


by the way. had a few stone chips repaired a couple of weeks ago, i was sad to discover i too am insured with highway!!

AAGGHHHHH!!!!! luckily all mods declared.

anymore news on this?

Quote from: ar-ex-severnhello bubble!! how is squeak? say hello to moff for me!!

wasn\'t trax good this year!!


by the way. had a few stone chips repaired a couple of weeks ago, i was sad to discover i too am insured with highway!!

AAGGHHHHH!!!!! luckily all mods declared.

anymore news on this?

Hiya matey!!

You have me at a dissadvantage, \'cos I haven\'t a clue who you are:3Confused :o:xconfused  

Squeak still hasn\'t stopped growing and Moff still drives like he stole it:driving

I\'m going to speak to my broker about Highway and see if other insurance companies take the same stance in fire claims.

Quote from: BubbleHiya matey!!

You have me at a dissadvantage, \'cos I haven\'t a clue who you are:3Confused :o:xconfused  

Squeak still hasn\'t stopped growing and Moff still drives like he stole it:driving

I\'m going to speak to my broker about Highway and see if other insurance companies take the same stance in fire claims.

ha ha!! i thought i would geoff!! lol.

i was at the SOC track day at snetterton in febuary. tim took me out in his car. your lovely wife was offering cups of tea every 10 minutes.

you got told off for your screamer pipe!! pmsl.

i am an SOC member too. i was GODZILLA-GTR but changed to 6-PACK.

i have a rover turbo atm. i thought i saw tim\'s car at trax sunday?

and i saw the thread on the SOC forum stating your attendance!!

now you know!! lol.

here it is!! you noisy bugger!! lol.  http://video.google.co.uk/videoplay?docid=4436945200377327955&hl=en-GB

was another good day out

LOL - must catch up mate, but best to stop hi-jacking this thread, other wise these nice Mazda guys wont let me blow their doors off at Rotorstock next year:Giggle

WHOOHOO they have SETTLED!!!! :Party

Just been personally rang up by Peter Goodwright head Policy Holder Claims department, he apologised on how the claim was handled, and we have agreed on a sum of £7K which I am happy with as I have retained the salvage on my car as well.

So if mod a will change the title of this thread to "Highway Insurance not paying claim \'Highway Insurance have settled case with Blitzboy\' "   :King

Its strange how they have settled now even though I didnt finish and send my rebuttle letter.

Glad the worry is over!!! was getting some sleepless nights over it.

Power to the people!!!!!

EXCELLENT!! now go and buy something sensible!! :3gears-rh :cheers :guinness

Oh sweet news Mark, really pleased for you.
Mucho tonight :guinness
and a big :Ladys-man for Peter

Fantastic news mate.

I do wonder though that if without this thread and the subsequent links to other forums, if they would have changed their decision........

Whatever, get on and build a better car and best of luck for the future.

Congratulation mate :guinness

So what plans for the black one then :Laugh

Will have to come over soon. Let me know when you\'re free or if you\'re going down to re:worx pop in.

So happy for you!!!

Quote from: BubbleFantastic news mate.

I do wonder though that if without this thread and the subsequent links to other forums, if they would have changed their decision........

Whatever, get on and build a better car and best of luck for the future.

Yes Bubble I tend to agree with you strongly. Even though Peter didnt mention anything about forums, I think word must have got round to them about the forum threads and thats the reason for the U-Turn. Peter did sound quite reasonable and down to earth not like that Craig HammonD Character..

THANKS FOR ALL THE SUPPORT FROM ALL THE CAR CLUB FORUM COMMUNITUES!!!!!!:god  most in debted to all your support

Great news Blitzboy! Altho no surprise really they didn\'t have a leg to stand on. And if they hadn\'t paid up that would have been akin to commercial suicide with the amount of negative publicity they\'ve had out of this, and rightly so.

They shouldn\'t be in the insurance game if they don\'t want to settle valid claims.

I hope people remember this episode and do not use them in future, spread the word, there\'s too many reputable companies out there. And let\'s hope other insurance companies take note.

As you say power to the people!!

I think you deserve a lie in now :Giggle

My tuppence worth...

Thanks Guys, yes I think im gonna have lie down now lol

I\'m glad it\'s all over for you -  you must feel great well done.

We will never know for sure how much influence the thousands of posts on hundreds of forums influenced them, lets think it was a victory for the masses.

Just out of interest what was your original claim amount?


John

Spot Blitzboy , glad they paid out. Party tonite me thinks.

Dont think you should change the title, this should become a how to for when insurance companies try n screw others

.....and then they lived happily ever after. Good Night!

Well, it\'s not just fairy tales that can have happy endings.....Well done..:guinness

top result!!

Quote from: johnfI\'m glad it\'s all over for you -  you must feel great well done.

We will never know for sure how much influence the thousands of posts on hundreds of forums influenced them, lets think it was a victory for the masses.

Just out of interest what was your original claim amount?


John

Well at the beginning of the claim they never actually asked how much I wanted, I was looking for 10 K personally with out the salvage of my car. But with 7K plus my salvage it works out spot on what I wanted.

Oh yeah John would you be able to change the title of the thread just to let peeps know its over but keep it as a sticky to remind people this is a victory for the normal men on the street :Thumbsup!

I\'ll run it by the other mods and see what they think.

Congrats mate :Thumbs-up :Party


Hope they have learnt some valuable lessons:flamed

Absolutely brill news Mark, very happy to hear you finally got a result, thumbs up to highway for admitting their mistake and paying up :Thumbs-up

Great news mate! Really happy for you.
I\'m sure you\'ll be able to move on from this now and hopefully in a while look back and laugh... hopefully. :D

Adam

OK lets take one step back - according to their policy you were not covered because it was a \'mechanical\' fault.

Well the fault hasn\'t changed, they have\'nt re-written their policy terms so what would happen tomorrow if I had exactly the same issue?

We all now know I would use this thread as an example but does\'nt this mean the wording in their policy document is wrong.

They have paid out on a mechanical fault that they say they don\'t cover.

All very confusing don\'t you think.

BlitzBoy will you get anything in writing explaining their reason for the \'U\' turn.

John

Congrats Mark - really glad they settled and you\'re happy with the result.

Also - well done Highway for revisiting the claim and eventually dealing with it in a reasonable manner.  It\'s a shame insurance companies make life so tough sometimes but I guess they do have a duty to protect themselves from fraudulent claims.

Sounds like an admission that it was badly handled and maybe an edict will go out to their claim handlers not to try heavy-handed measures against policy holders!

Quote from: johnfWell the fault hasn\'t changed, they have\'nt re-written their policy terms so what would happen tomorrow if I had exactly the same issue?

They have paid out on a mechanical fault that they say they don\'t cover.

John, I suspect the issue came from three things:

1) a misinterpretation of what constitutes a mechanical fault (e.g. insurance doesn\'t cover wear and tear) compounded by:

2) Assessor getting it wrong and claiminf NOS was used!

3) trying it on with BB\'s career as a professional Indy Car racer (Mark you can come clean about the F1 sign-up now too)...

Yeah Ferrari have just signed me up , going to Modena for a test in there 2007 car hahahaha

Well I wont get anything in writing according to Pete as I reckon they dont want to admit they were in the wrong or set a test case I suppose.

From what I can gather with the phone conversation, he sounded more concerned on how the case was handled and was apoligising for that not on the actual mechanical failure claim, I put his concern down to how Craig Hammond had called me decitfull (a liar i suppose) in his letter, I suppose me destroying the claim of NOS use prooved I was not lying in the first instance, but I suppose if i had the money and energy for it I could have sued Craig H\'s for deformation of character

Title changed as requested Mark and well done it makes a change for the man on the street to win for a change.:Party
Kevin

This is fantastic news, I\'m so pleased you got a result :)
Well done for sticking with it :D

Sweeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeet:Party

Awesome news :)

Happinesssssssssssssss....:wiggle ..good one bud....BUT IT IS ONLY A VICTORY WHEN THE MONEY IS IN THE BANK !!!!!!!!!!!!!!!...:bandit

Quote from: kev-yorksTitle changed as requested Mark and well done it makes a change for the man on the street to win for a change.:Party
Kevin

Cheers Kev, I think we should add the word "finally" lol :WaveBye

  " Highway Insurance have finally settled my claim " reads better lol

Quote from: BlitzBoyCheers Kev, I think we should add the word "finally" lol :WaveBye

  " Highway Insurance have finally settled my claim " reads better lol

Too right, considering the stress they put you through since god knows when I first read this thread and started following it. Assholes still IMHO ;)

Just a thought - no more queries and stuff until the money is in the bank..  Maybe just congrats on the resolution of this dude - every honest car owners nightmare!!

Heartfelt congrats dude, and good luck with the new car!

Congratulations, glad you stuck with it.

Cheers Bish, now I am really smiling :D

nice one dude im glad to hear they did a U turn. :Thumbs-up

BRILLIANT MARK :D:D:D:D:D:D:D

I am so pleased for you.....what you gonna spend the extra 7K on then..... :rollin

haha thanks Dave, most of the money will go into the flat buying fund the one I used to buy the black replacement car, so being sensiable

You knw what, I was going to bed, but I\'m going to go downstairs and grab another beer from the fridge I am so happy :D:D:D:D:D

FDUKING sorted mate...delighted.

That\'s really good news :) :) :)

brilliant news,saw in paper yesterday highway insurance profits down - wonder what next years will be like after mishandling your claim and the massive postings all over car sites

Fantastic news. Peter, I saw that article, too. In fact I tore it out so I could post the text here, and I will do that later.

BlitzBoy, this is fantastic, - for once the Customer was RIGHT !

Great news Blitzboy. Congrats :Thumbs-up

But it does raise an interesting question. Now highways insurance have learnt a valuable lesson are they still worth considering as a car insurance company??

They have seen what can happen if they mess some one around. Are they likely to do it again???

Quote from: GMJBut it does raise an interesting question. Now highways insurance have learnt a valuable lesson are they still worth considering as a car insurance company??

They have seen what can happen if they mess some one around. Are they likely to do it again???

I would say steer well clear of Highway now and in the future...A leapord never really changes its spots and they may have bowed to forum pressure this time, but why risk having to go through this process everytime you need a payout.

Top news on getting the claim sorted mate, chuffed for you!

good news mate

does that mean you have a single turbo kit for sale now ? :D

Blitzboy is the wiiiiiiiiiiiiiiiiinnerrrrrrrrrrrrrrrrrrr!!!

lol @ Twisted , wrong thread haha winnnnnerrr

Well l am going to try and get renewed with AON next year or get an agreed value policy or classic policy.

Glad to hear you nailed this one fella, I think their managerial phonecall was an attempt at damage limitation and I hope they both; 1:lose business and 2:burn in Hades for their sins against tunerkind!!!! lol

Time to build her up again!!!! hahaha

Dude, sue them for emotional hardship, seriously.

They made you believe you were going to lose a large financial and emotional attatchment through their own negligence and incompetence.

Excellant news - very happy for you! :guinness

Congratulations from all at Golfgti.co.uk and Cruise-Herts.co.uk :god

Glad to hear it, a lot of strees and hassle could have been saved. Their reputation is damaged too.

congrats bud! was following this with interest. Power to the people and all that!

Quote from: GMJGreat news Blitzboy. Congrats :Thumbs-up

But it does raise an interesting question. Now highways insurance have learnt a valuable lesson are they still worth considering as a car insurance company??

They have seen what can happen if they mess some one around. Are they likely to do it again???

imho .... NO WAY!!

I\'m glad its all sorted, and am really pleased for you blitz, but you shouldn\'t have been put through all of this in the first place :mad:  , i think they just wanted it to be over for them quickly tbh.

I\'m glad this post has spread like wild fire as this is the kind of thing that should be made public not just all the \'great deals\' all these companies can do for us.

I\'m steering well clear of highway in the future.

And again congrats on your settlement blitz. :Thumbs-up

Ok here is the article posted in the Guardian last week:

quote

Motor insurer Highway Insurance saw profits fall 33pc (%) to £7.5 m in the first half as it said car insurance premiumes continued to weaken as competitors continued to cut prices to gain market share. It said premiums had not kept pace with claims inflation.
However, cheif executive Richard Gamble said: "Highway is well positioned to take advantage of an upturn in the markets when this emerges."

end quote


Ha ha haaa !  ROFLMAO !!!

just been digging around to get a quote for my steed, and with a view to doing some mods, I requested they not include Highway in the search.

On the 2nd call back to Adrian Flux - the contact there had checked up on the \'Highway\' issue - new all about the fire, and apparently others have requested not to include Highway either - seems the reputation is damaged even if they have settled.

seems people power really does work.

Prof :cheers

Great news Blitz, really pleased for you.

Jase

well done mark, really pleased for you.     Drinks are on you buddy!

on a side not,   its really good to see that all the car clubs rallied round to spread the word and give support.......  and hopefully this made a difference to the outcome...

well Ant according to Prof "people power" did work and the word had spread to the brokers then onto Highway, so I think this is the reason why they did the U-turn.

Viva Car Clubs viva people power

QuoteViva Car Clubs viva people power

Hell Yeah !!!!! :yes :King :rolleyes:
Great news Mark.:Santa

Folks,

I realise that you got up a real head of steam to help out Blitz Boy but one of our members is having a similar sort of problem with Norwich Union, except in his case by the time the Fire Brigade had arrived he had been able to to put it out before it became a major blaze, however problem with the Scorpio is that loom/fuse box damage is big time expensive and NU don\'t seem to want to know.

Can I ask that if you get the chance to look at this link and want to pass it on that would be great. If you are a member of other motor type sites can you post a link on so that their members insured with "QUOTE ME HAPPY" can check the terms with their brokers?

http://www.fordscorpio.co.uk/cgi-bin/yabb/YaBB.pl?board=Advice;action=display;num=1156768666;start=

Problem for Ashley is that his brokers are the RAC and NU are part of the same company.

If you can help thanks for it!

Geoff_W

Geoff

I\'d suggest he takes the steps BB did to raise his complaint. Shouldn\'t really say any more tho, if you get my drift :(

Good luck getting it sorted :)

Cheers,
Alex