- Oct 15, 2008
- wme451 a124 r129 s211 r230 w251
Be very careful with your insurance company.
I notified my insurer that my trailer had been stolen. They told me on the same call, that my trailer insurance had lapsed (whoops) my fault. So no insurance.
Four months later I go to renew with the same company. I get a massive hike in my premium. Why says I. Well you claimed for a stolen trailer, says they. But it wasn't insured, says I. No but you still made a claim and that is recorded as a claim, even though we never paid out and you never progressed it beyond a two minute telephone call.
It took weeks to get sorted, during which time I couldn't move companies as it showed up as a non-fault claim on the Insurance Data Base.
This is one of the things that vexes me with insurance companies, but with misinterpretation I've found that if you ultimately speak to the right person, common sense prevails. If not, a mention of the Ombudsman helps, if something seems so blatantly unfair.
When someone caught a (rusty) front wing on my parked 88 300CE whilst parking himself (my wife had just parked), I was able to persuade his insurer, armed with the price of a genuine new one, that a replacement was probably as cheap as the labour etc. to repair the damage he had caused. They phoned me back to agree. I don't know how a bonnet would compare price wise, but worth a try, and I wouldn't carry out any work until instructed and agreed by the insurer.
Good luck for pain free outcome.