Highway Insurance have finally settled my claim

[sadgoth]

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!)

[Prof]

Stick them on blagger.com, at least that will help to warn others.

[OLSKOOLROTAR]

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

[BlitzBoy]

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

[fro]

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

[BlitzBoy]

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

[Brett]

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.

[fro]

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

[BlitzBoy]

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

[Jit]

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

[BlitzBoy]

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

[Jit]

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....

[Adriansturgess]

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.

[Cannop]

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

[BlitzBoy]

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