Highway Insurance have finally settled my claim

[davegttph1]

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.

[yogibear]

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

[ashc]

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

[BlitzBoy]

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

[Rotary_Menace]

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

[BlitzBoy]

Thanks for your support Mr Menace

[Crispy Beef]

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.

[RobbieRX-7]

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...

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?

[Prof]

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

[Rotary_Menace]

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

[chrisBoid]

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.

[Shyne]

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!!!!

[BlitzBoy]

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.

[Shyne]

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.

[peterwolds]

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