Highway Insurance have finally settled my claim

[BlitzBoy]

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

[TwistedHumour]

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

[Egor]

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

Hope you get it sorted soon!

:flamed  Highway Insurance

[BlitzBoy]

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"

[oldone]

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

[Red and Single]

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.

[Prof]

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, 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

[BlitzBoy]

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

[Domwhite]

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

[Red and Single]

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

[ro284]

Blitzboy, 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

[Red and Single]

Good point above ^^^^

Club could be sued for hosting potential liable :reallymad

[BlitzBoy]

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

[ro284]

Red & 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

[Adriansturgess]

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.