Insurance Scam on me ! Advice please ...

[roberto]

im not going to mention exact details
basically what happened is this

a car with identical number plates to mine was involved in an accident last november.
this was 200 miles away from me.
it seems like the 2 parties only exchanged number plates (weird)
anyway..in nov. i got a phone call from my ins. saying why had i not reported this?
i said WHAT? i know nothing about it thats a scam i said.
MID came up with my car they said.
so i got the blame.
5 months later my ins is due Guess what, i was about to lose my NCB
i went ballistic at them as they had done nothing.
So using a private detective 72 hours later the culprit has been found
Owned up to it too
cost me lots.
Got my NCB back but a ACCIDENT NON FAULT NO PAYMENT marker on my insurance.

What shall i do next ?

[moltuae]

If I knew who it was (especially if they've owned up to it) I'd sue the culprit.

Or at least invoice them and give them 30 days or so to settle for a 'reduced amount' before taking legal action. Make them aware that legal costs will be added too if it goes to court.

[pete-p]

As it's insurance fraud I would have though the insurance co and the police would want to know, maybe I'm being naïve though!

[limoncello]

there must be an ombudsman who can force them to take that marker off

someone tried to scam my gf a few years ago by claiming she knocked in to them, falsley, she rang the insurance company to report the faker , the faker didnt make a claim after i had a word on the phone with them, but guess what, marker

[roberto]

[quote=limoncello;109609]there must be an ombudsman who can force them to take that marker off

ive made a formal complaint to my insurers
ombudsman will be next

question is, does the marker make any difference to the renewal quote ?

[steamship]

Originally Posted by roberto

question is, does the marker make any difference to the renewal quote ?

Not sure about insurance companies nowadays, but I had a NON FAULT accident 20 years ago (sitting stationary at a roundabout and was driven into). It still affected my renewal quotes for the following few years.

[Somerandomguy]

If the initial complaint fails, you could also try the data protection route. They are keeping personal data about you, so principle 4 of the act apples here - information stored must be accurate and up to date

https://ico.org.uk/for-organisations...on-principles/

Fines from the ICO can be pretty scary!

[roberto]

Originally Posted by Somerandomguy

If the initial complaint fails, you could also try the data protection route. They are keeping personal data about you, so principle 4 of the act apples here - information stored must be accurate and up to date

https://ico.org.uk/for-organisations...on-principles/

Fines from the ICO can be pretty scary!

Wow nice one i will hit them with that monday

[limoncello]

Originally Posted by roberto

Wow nice one i will hit them with that monday

that is an excellent suggestion

[goldsax]

Roberto,
how did the PI help/track down the culprit?
had the same number as you ?
cheers raj