Entitlement to invoice for claim

Colemania

Quick question.....

Are you entitled to an invoice for a car insurance claim that you are paying out? The insurance company have changed the amount of the claim 3-4 times now and said we can't get an invoice with the breakdown of the cost but how can they justify the constantly increasing claim amount?

To Elland Back

Trying to follow you. Are you looking to repay your insurer for a claim they previously paid for?

Colemania

To Elland Back wrote: »

Trying to follow you. Are you looking to repay your insurer for a claim they previously paid for?

Ya they just paid out a claim last week to the 'damaged party' and we want to settle it from our own funds so it won't affect the no claims bonus. Since we're paying it, should we be entitled to a detailed breakdown of what exactly we're paying? They previously requested a certain figure was to be paid and have now raised that by 100 and have said that there could still be more fees even though the claim is settled already.

To Elland Back

To reinstate your NCB, 'most' insurers only require you to repay their outlay to the 3rd party. This normally excludes their admin and investigation costs. A few are as5holes and insist you repay the lot

You are entitled to a breakdown in the payout between damages and costs but not an itemised breakdown of the damages. Your insurer may be facing a few subsequent costs from the 3rd party for things like car hire, but if these are things such as engineer fees, they are being a bit harsh on you.

Strongly question their stance, but at the end of the day, they are within their rights, even if the majority practice differently

NUTLEY BOY

The insurers are indemnifying you. Effectively, they act on your behalf.

When the claim is finally settled I would demand a break down of the elements of the claim. However, you may not always get a precise item for item validation as if there was negotiation a global or overall figure might have been agreed as a settlement and that would not be unusual.

Indicate that if you don't get what you are asking for - which is reasonable in my view - you will complain to the Financial Services Ombudsman's Bureau.

Colemania

NUTLEY BOY wrote: »

The insurers are indemnifying you. Effectively, they act on your behalf.

When the claim is finally settled I would demand a break down of the elements of the claim. However, you may not always get a precise item for item validation as if there was negotiation a global or overall figure might have been agreed as a settlement and that would not be unusual.

Indicate that if you don't get what you are asking for - which is reasonable in my view - you will complain to the Financial Services Ombudsman's Bureau.

They finally gave us a breakdown yesterday by email, no invoice copies or otherwise (which I assume they're not obliged to provide) and the total is 6 euro off what they've said. Yes it's petty but considering there's only 4 items on the breakdown, surely they could add it up and see that?

The breakdown precisely was third party repairs, assessor fee, administration fee and car hire. Surely there can't be any more fees on top of that?

To Elland Back

Colemania wrote: »

The breakdown precisely was third party repairs, assessor fee, administration fee and car hire. Surely there can't be any more fees on top of that?

Very unlikely to have incurred external legal fees for a small claim, but that sounds like the lot. If the 3rd party vehicle was fairly new, they would be entitled to claim for depreciation.

Did you challenge them over having to repay the admin and assessor fees?

Colemania

To Elland Back wrote: »

Very unlikely to have incurred external legal fees for a small claim, but that sounds like the lot. If the 3rd party vehicle was fairly new, they would be entitled to claim for depreciation.

Did you challenge them over having to repay the admin and assessor fees?

This whole thing has been a mess and the email response with the breakdown of the fees was the first response from the last 4 emails. They've been horrible to deal with so I imagine challenging the administration and assessor fees will result in the same treatment. Do I have reason to challenge them? Should we not be paying them?

To Elland Back

Colemania wrote: »

This whole thing has been a mess and the email response with the breakdown of the fees was the first response from the last 4 emails. They've been horrible to deal with so I imagine challenging the administration and assessor fees will result in the same treatment. Do I have reason to challenge them? Should we not be paying them?

Other than most insurers don't require policyholders to reimburse investigator fees (legal fees are different) If you are through an insurance broker, I'd be surprised if they wouldn't address this on your behalf, it's a regular occurrence.

By way of info, one nameless insurer once owned by a wealthy businessman, are adamant to the point of ignorance that you must stump up everything