I used too work in a car insurance callcentre - I have millions of insurance stories.
Anyway - My job was a claims handler - If you crashed your car or if it was damaged, Stolen (towed in some cases ¬¬) etc, I was your first port of call, As well as the guy you spoke too to keep tabs on the claim. In short i was the jack of all trades, with a specialisation in repairible vehicles.
So, i gets this call in, dear old lady, who was slightly annoyed. I takes her claim reference number, Bring up the details and familiarise myself with the file (as best i can without putting her on hold).
her accident circumstances:
Vehicle parked & unattended in Iceland C/Park (its a kind of supermarket for all you non-UK's) when wind blew over an advertising board damaging extensively the vehicle.
So basically a giant photo of Kerry katona had demolished the car, hilarious if it wasnt for her attitude. She had recieved a letter saying she had too pay the insurance excess. Stupidly the garage never charged her it when her car was repaired.
She wasnt happy about this as (like everyone in the UK) she thought if it wasnt her fault she didnt have too pay her Excess, Which isnt true. It was an "act of god".
now she said all along that Iceland admitted fault for the incident, But never forwarded on the supposed details she had from them, Therfore we had nothing too go off too get our money back.
The gist of a 20 minuite conversation was:
Me: Unfortunately madam you will have too pay your excess, you havent sent us icelands details so we cannot recover from them
Policyholder: Well...My husband have just had a heart attack and so ive been really busy.
M: Thats unfortunate madam, But it has been over 8 months since the incident, And with all due respect it's only a letter that we need.
PH: Just ring up my local iceland, They KNOW about the incident.
M: We've tried that, They say they dont
PH: Well theyre Lying! Ring them Again!
M: We have rang them several times & so far we havent had any joy. We have spent the past 4 months trying too get a recovery from them. Our recovery dept has now closed theyre side and wrote the loss off, meaning you have too pay your excess, It says in you contr
PH: I AM NOT PAYING MY EXCESS - ITS NOT MY FAULT AND I SHOULDNT HAVE TOO PAY IT! ME & MY HUSBAND HAVE HAD IT WITH YOUR COMPANY YOUR ALL USELESS *etc*
M: Madam it states in your contract, it is something you have agreed too and HAVE too pay it.
PH: No
M: no?
PH: Glad you heard me. You can get that money off iceland.
M: Well we need the details from yourself of who you spoke too at the time of the incident. If we dont get them we will be forced too affect your No claims bonus.
PH: FINE! ILL SEND THEM IN *slams phone down*.
But wait! Theres more:
I was good friends with the recovery dept and she never sent in the details - After ANOTHER 6 months we wrote off the £120 Excess, Effected her no claims (she lost something like 20 years) and didnt offer anymore policies too her.
All for a relatively minor claim.
Its not the worst, But it was amusing for the image of a giant Kerry Katona flattening a car.
Not as bad as a guy wishing my colleagues house would burn down...Ill go into that one if you want me too...
Anyway - My job was a claims handler - If you crashed your car or if it was damaged, Stolen (towed in some cases ¬¬) etc, I was your first port of call, As well as the guy you spoke too to keep tabs on the claim. In short i was the jack of all trades, with a specialisation in repairible vehicles.
So, i gets this call in, dear old lady, who was slightly annoyed. I takes her claim reference number, Bring up the details and familiarise myself with the file (as best i can without putting her on hold).
her accident circumstances:
Vehicle parked & unattended in Iceland C/Park (its a kind of supermarket for all you non-UK's) when wind blew over an advertising board damaging extensively the vehicle.
So basically a giant photo of Kerry katona had demolished the car, hilarious if it wasnt for her attitude. She had recieved a letter saying she had too pay the insurance excess. Stupidly the garage never charged her it when her car was repaired.
She wasnt happy about this as (like everyone in the UK) she thought if it wasnt her fault she didnt have too pay her Excess, Which isnt true. It was an "act of god".
now she said all along that Iceland admitted fault for the incident, But never forwarded on the supposed details she had from them, Therfore we had nothing too go off too get our money back.
The gist of a 20 minuite conversation was:
Me: Unfortunately madam you will have too pay your excess, you havent sent us icelands details so we cannot recover from them
Policyholder: Well...My husband have just had a heart attack and so ive been really busy.
M: Thats unfortunate madam, But it has been over 8 months since the incident, And with all due respect it's only a letter that we need.
PH: Just ring up my local iceland, They KNOW about the incident.
M: We've tried that, They say they dont
PH: Well theyre Lying! Ring them Again!
M: We have rang them several times & so far we havent had any joy. We have spent the past 4 months trying too get a recovery from them. Our recovery dept has now closed theyre side and wrote the loss off, meaning you have too pay your excess, It says in you contr
PH: I AM NOT PAYING MY EXCESS - ITS NOT MY FAULT AND I SHOULDNT HAVE TOO PAY IT! ME & MY HUSBAND HAVE HAD IT WITH YOUR COMPANY YOUR ALL USELESS *etc*
M: Madam it states in your contract, it is something you have agreed too and HAVE too pay it.
PH: No
M: no?
PH: Glad you heard me. You can get that money off iceland.
M: Well we need the details from yourself of who you spoke too at the time of the incident. If we dont get them we will be forced too affect your No claims bonus.
PH: FINE! ILL SEND THEM IN *slams phone down*.
But wait! Theres more:
I was good friends with the recovery dept and she never sent in the details - After ANOTHER 6 months we wrote off the £120 Excess, Effected her no claims (she lost something like 20 years) and didnt offer anymore policies too her.
All for a relatively minor claim.
Its not the worst, But it was amusing for the image of a giant Kerry Katona flattening a car.
Not as bad as a guy wishing my colleagues house would burn down...Ill go into that one if you want me too...