Last year I was knocked off my bike and although I only had grazed knees the (virtually new) bike
took a bit of damage. Nissan Insurance (part of UK Insurance) tried everything from ignoring me to
putting the lawyers onto me when I filed against them in the Small Claims Court. Yesterday they
settled in full a week before the Court hearing. Must have cost them at least ten times the claim in
legal fees. So perseverance works in the end. Their description of what happened must go down as an
all time classic insurance and worth repeating here:
- As she looked to the left she saw the claimant put his bicycle onto its left hand side, step off
and run into a bush, throwing himself into it.
(my kids still have fits of giggles at the mental image that conjures up)
For others in this situation the things that turned out to be essential were - getting the
numberplate of a witness, filing an accident report with the local police (they gave me the
insurance details when the driver was not answering my letters and visited and took a statement from
the witness that confirmed my story). I also took photos of where it happened the same day which
proved the accident was not where the driver claimed it was.
Plaudits to Hampshire Police, CTC (for help and advice) and MoneyClaim Online (the online Court
system for filing a claim) Grudging acknowledgement to the Association of British Insurers who with
great reluctance and a lot of arm twisting gave Nissan Insurance a small nudge for massive
contravention of their code of conduct Brickbats to Nissan Insurance and Nissan Cars (who said it
was nothing to do with them despite Nissan Insurance being sold by Nissan Dealers with Nissan Cars)
So don't be put off by the actions of the insurance company if you find yourself in a
similar situation
Tony
--
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"All truth goes through three steps: First, it is ridiculed. Second, it is violently opposed.
Finally, it is accepted as self-evident." Arthur Schopenhauer