Axa claim

Johngoose

Anybody ever try and claim against Axa? They seem to be pretty shady in my opinion.

Johngoose

Johngoose wrote: »

Anybody ever try and claim against Axa? They seem to be pretty shady in my opinion.

A person insured with Axa rammed into the side of me, came across the white line into my lane and Axa are trying to deny any liability.

Riva10

Have you proof that it happened as you say. Dashcam or independent witness. Axa can only go on the evidence presented to them

coylemj

Johngoose wrote: »

A person insured with Axa rammed into the side of me, came across the white line into my lane and he is Axa are trying to deny any liability.

FYP.

All they have to go on is their policyholder's version of the event. Your gripe is with the other driver, not his insurance.

Johngoose

coylemj wrote: »

FYP.

All they have to go on is their policyholder's version of the event. Your gripe is with the other driver, not his insurance.

The Financial Ombudsman said he’d look into the whole thing.

Johngoose

Riva10 wrote: »

Have you proof that it happened as you say. Dashcam or independent witness. Axa can only go on the evidence presented to them

C.C.T.V. will be checked. Have photos and a witness, which Axa never asked for. The Financial Ombudsman who deals with insurance companies will check out the whole situation. Very unimpressed with Axa Insurance.

Johngoose

I appreciate the comments.Thanks. Video footage would be best to be fair.

Johngoose

It isn’t just the other driver who is my problem. I have a written off car in my driveway, which Axa should pay for.

wexie

Johngoose wrote: »

The Financial Ombudsman said he’d look into the whole thing.

I wouldn't hold out hope if I were you. Turns out the Financial Ombudsman have a grand total of 0 powers to actually do a grand total of feck all.

Unless you're willing to go through the whole process which is likely to take a few years.

Johngoose

wexie wrote: »

I wouldn't hold out hope if I were you. Turns out the Financial Ombudsman have a grand total of 0 powers to actually do a grand total of feck all.

Unless you're willing to go through the whole process which is likely to take a few years.

If it takes a few years I’ll do that. I have a very good solicitor to deal with my claim anyway, so not too worried. The Ombudsman investigation is just to highlight how bad Axa are.

Johngoose

The claims handler was “out of the office,” last week. This week she is on holidays! Hilarious
!:-)Then got some bull**** letter in the post about denying liability, without even a phone call about same. Ignorant shower!:-)

wexie

Johngoose wrote: »

The claims handler was “out of the office,” last week. This week she is on holidays! Hilarious
!:-)Then got some bull**** letter in the post about denying liability, without even a phone call about same. Ignorant shower!:-)

I'm sad to tell you that's not really just AXA, that's just how insurance companies seem to operate.

I hope you manage to find some CCTV or a witness or something.

Johngoose

wexie wrote: »

I'm sad to tell you that's not really just AXA, that's just how insurance companies seem to operate.

I hope you manage to find some CCTV or a witness or something.

Thanks Wexie. They won’t get the better of me anyway I can tell you. Axa seem particularly bad I must say. Sent a man out to view my car and they wouldn’t even give me a straight answer as to who he was or what role he was playing.

Sleeper12

Johngoose wrote:

It isn’t just the other driver who is my problem. I have a written off car in my driveway, which Axa should pay for.

Who are you insured with yourself. They are supposed be fighting your corner.

Does your insurance company say that it was the other guys fault?

Johngoose

Sleeper12 wrote: »

Who are you insured with yourself. They are supposed be fighting your corner.

Does your insurance company say that it was the other guys fault?

At the moment my lawyer says it’s the other guy’s fault and that Axa are out of line. Not really going to go to my own insurance company with this, as I don’t want my premium going up.

Cows Go µ

It's an obligation of your policy that you have to inform you own insurer if you are involved in an accident. While this claim is ongoing (whether you go through your own insurer or through the third party's) you can't change insurance company so you are stuck with your current insurers until this is resolved.

What are the circumstances of the accident? Normally if it is a clean cut case, insurers will pay out without issue.

Johngoose

Cows Go µ wrote: »

It's an obligation of your policy that you have to inform you own insurer if you are involved in an accident. While this claim is ongoing (whether you go through your own insurer or through the third party's) you can't change insurance company so you are stuck with your current insurers until this is resolved.

What are the circumstances of the accident? Normally if it is a clean cut case, insurers will pay out without issue.

I have contacted my own insurance company and told them about the claim, so have fulfilled my duty there. Just haven’t gotten them to go up against Axa. I have a lawyer for that. I’d rather not give too much info about the actual crash online. I was stationary and a truck veered over the white line and came in on top of me. That’s all I’d like to say on it, at this point. Thanks for your concern.

Sleeper12

Johngoose wrote:

At the moment my lawyer says it’s the other guy’s fault and that Axa are out of line. Not really going to go to my own insurance company with this, as I don’t want my premium going up.

This is your problem. Your insurance company should be paying out. They then get it back off Axa if it is the other guys fault. You are handling it wrong and the solicitor is a waste of money.

Did you notify your insurance company of the accident? That's one of the first things that you are supposed to do

Johngoose

Sleeper12 wrote: »

This is your problem. Your insurance company should be paying out. They then get it back off Axa if it is the other guys fault. You are handling it wrong and the solicitor is a waste of money.

Did you notify your insurance company of the accident? That's one of the first things that you are supposed to do

As I said the day after the accident I reported it to my own insurer. Never heard anything like that before one insurance company paying back another. You must be a legal eagle, a qualified solicitor?

Cows Go µ

Johngoose wrote: »

As I said the day after the accident I reported it to my own insurer. Never heard anything like that before one insurance company paying back another. You must be a legal eagle, a qualified solicitor?

It would be fairly standard procedure for claims. Everyone claims off their own insurer and then they fight it out to see who was liable. It means that your car get fixed right away. If you have no claims bonus protection then your bonus won't be affected (though your premium may go up but there is a claim on your record but this is the case no matter what). If you don't have bonus protection then your bonus will be affected then if the third party is found liable then your bonus would be reinstated.

Sleeper12

Cows Go Â&#181 wrote:

It would be fairly standard procedure for claims. Everyone claims off their own insurer and then they fight it out to see who was liable. It means that your car get fixed right away. If you have no claims bonus protection then your bonus won't be affected (though your premium may go up but there is a claim on your record but this is the case no matter what). If you don't have bonus protection then your bonus will be affected then if the third party is found liable then your bonus would be reinstated.

This is the best option by a mile. There is nothing stopping you putting in a personal injury claim by doing it this way.

The quickest way to get back on the road is claim off your own insurance. If it is the other person fault then your insurance will not go up. Your solicitor won't tell you this because he /she wants the business.

Sleeper12

Cows Go Â&#181 wrote:

It would be fairly standard procedure for claims. Everyone claims off their own insurer and then they fight it out to see who was liable. It means that your car get fixed right away. If you have no claims bonus protection then your bonus won't be affected (though your premium may go up but there is a claim on your record but this is the case no matter what). If you don't have bonus protection then your bonus will be affected then if the third party is found liable then your bonus would be reinstated.

This is the best option by a mile. There is nothing stopping you putting in a personal injury claim by doing it this way.

The quickest way to get back on the road is claim off your own insurance. If it is the other person fault then your insurance will not go up. Your solicitor won't tell you this because he /she wants the business.

Johngoose

Johngoose wrote: »

As I said the day after the accident I reported it to my own insurer. Never heard anything like that before one insurance company paying back another. You must be a legal eagle, a qualified solicitor?

Axa should really employ you, if they haven’t already. I won’t claim off my own insurance as I feel the other person was wrong. Thanks anyway.

coylemj

Cows Go µ wrote: »

It would be fairly standard procedure for claims. Everyone claims off their own insurer and then they fight it out to see who was liable.

Only if you have fully comp.

If you have third party cover only, damage to your own car is your problem which you have to claim from the other guy.

Johngoose

coylemj wrote: »

Only if you have fully comp.

If you have third party cover only, damage to your own car is your problem which you have to claim from the other guy.

Thanks. You are the voice of reason here. I only have a policy which covers the very basics, as you mentioned. Seems daft telling somebody to claim off their own insurance, when they feel they were in the right.

Sleeper12

Johngoose wrote:

Thanks. You are the voice of reason here. I only have a policy which covers the very basics, as you mentioned. Seems daft telling somebody to claim off their own insurance, when they feel they were in the right.

And yet you are without a car?

Johngoose

Sleeper12 wrote: »

And yet you are without a car?

Yes Axa owe me a few grand for my car.

coylemj

Johngoose wrote: »

Seems daft telling somebody to claim off their own insurance, when they feel they were in the right.

But if you had fully comp., that is precisely what you should do, otherwise the other crowd will just stonewall you.

If your own insurance company pays out under the fully comp. cover and you convince them that you were in the right, they will go after the other's guy insurance to pay them for the money they paid you for the damage to your car. Whereas if you adopt the attitude that 'I'm in the right so why should I claim off my own insurance?', you will often get nowhere and still have a potential claim hanging over you. Because guess what? If you don't pursue a claim against the other guy, he will come after you instead.

All academic in this case as you only have third party.

Cows Go µ

Johngoose wrote: »

Thanks. You are the voice of reason here. I only have a policy which covers the very basics, as you mentioned. Seems daft telling somebody to claim off their own insurance, when they feel they were in the right.

Edited out.

Sorry, I didn't realise you only had third party, fire and theft. If that's the case you are stuck claiming off the third party's policy.

Johngoose

Cows Go µ wrote: »

You realise he actually works for AXA, right? (At least I think he does anyway. I could be wrong)

Sorry, I didn't realise you only had third party, fire and theft. If that's the case you are stuck claiming off the third party's policy.

Thanks I’d assume anybody tearing strips off me here is working for Axa. It can seem like they are gilding the Lilly/over egging the pudding. They could tone it down a bit, to make it less obvious.:-) Ya third party, fire and theft only with my policy, so will have to fight the mighty Axa.:-)

coylemj

Cows Go µ wrote: »

You realise he actually works for AXA, right? (At least I think he does anyway. I could be wrong)

If I'm the target of that claim, you're dead wrong.

You told the OP to claim off his own insurance - 'Everyone claims off their own insurer'. I pointed out that that only applies if you have fully comp. and you suddenly accuse me of working for Axa

Johngoose

coylemj wrote: »

If I'm the target of that claim, you're dead wrong.

You told the OP to claim off his own insurance - 'Everyone claims off their own insurer'. I pointed out that that only applies if you have fully comp. and you suddenly accuse me of working for Axa

Sleeper 12 is who I would suspect myself.

Sleeper12

Johngoose wrote:

Sleeper 12 is who I would suspect myself.

Nope. I'm the shower repair guy. I am usually found lurking in the plumbing forum.

Look we're only trying to give you good advice. There was no mention of 3rd party insurance in your original post. We can only give advice based on the information you provide. The vast majority of drivers have fully comp insurance so we were giving advice based on that. You implied that you had fully comp when you said that you didn't want to claim from your own insurance as your insurance will increase. You don't have fully comp so why are you afraid that your insurance will go up?

Cows Go µ

coylemj wrote: »

If I'm the target of that claim, you're dead wrong.

You told the OP to claim off his own insurance - 'Everyone claims off their own insurer'. I pointed out that that only applies if you have fully comp. and you suddenly accuse me of working for Axa

Apologies, I just realised that I was thinking of a different poster who I believe does work for AXA (again, not a bad thing).

I obviously meant if someone has comp, that is what they normally do. That can't be the case for tpft. I wrongly assumed he had comp

Johngoose

Sleeper12 wrote: »

Nope. I'm the shower repair guy. I am usually found lurking in the plumbing forum.

Look we're only trying to give you good advice. There was no mention of 3rd party insurance in your original post. We can only give advice based on the information you provide. The vast majority of drivers have fully comp insurance so we were giving advice based on that. You implied that you had fully comp when you said that you didn't want to claim from your own insurance as your insurance will increase. You don't have fully comp so why are you afraid that your insurance will go up?

Sorry if I wronged you. People have warned me not to get my own insurance involved too much as my premium will soar. I’m going to switch off for the rest of tonight. Thanks folks will keep you posted. Stressful situation. Goodnight.

Johngoose

Got my own witness statement today, so things are moving along nicely.:-)

Johngoose

Never mentioned that Axa sent somebody else’s letter in with mine, as a sign of their complete unprofessionalism and incompetence.

Johngoose

Johngoose wrote: »

Never mentioned that Axa sent somebody else’s letter in with mine, as a sign of their complete unprofessionalism and incompetence.

Surely a breach of data protection

biko

Title edited as it was a bit much.

Having said that, if your car was stationary and was hit, it appears to be a pretty straight-cut case.

Johngoose

biko wrote: »

Title edited as it was a bit much.

Having said that, if your car was stationary and was hit, it appears to be a pretty straight-cut case.

No problem, have said worse about them on Trustpilot!;-)

Liam McPoyle

I'm not sure what you getting so het up about.

Axa are doing exactly what they are bound to do in the event of a claim, protect their customer.

You expect them to accept liability just because you say so?

Nonsense.

If that were the case I could ring any insurer tomorrow with a random policy number and tell them their driver crashed into me and they have to give me money.

They have to investigate it and pending an independent witness report they will deny liability as they rightly should.

The sense of entitlement that some people have is mind boggling.

CeilingFly

Johngoose wrote: »

Thanks. You are the voice of reason here. I only have a policy which covers the very basics, as you mentioned. Seems daft telling somebody to claim off their own insurance, when they feel they were in the right.

seems daft to me telling people who know more thn you that they are daft.

Try not insulting people giving you advice - you'll find that other won't want to give you any help whatsoever.

I could give you a direct contact in axa that would check this out for you, but the way you seem to treat other posters trying to help you menas that you'll probably blame me if it doesn't help and then I'll be called daft!

Maybe there's a reason axa are not wanting to deal with you?

CeilingFly

Johngoose wrote: »

Surely a breach of data protection

no, its called an error. But sure you know best - "lawyers" (do we have lawyers in Ireland?) "Ombudsman" etc.

Yep, I think that why axa are ignoring you.

Here's a little advice for life - try being nice to people when you are looking for something to be done.

mickdw

I had great faith in AXA until I had a claim. I hit a dog that ran into road. Dog owner spoke to garda at scene and agreed to pay etc. I notified a a of the accident. Anyway dog owner couldn't come up withh payment. AXA advised that I could claim off my own policy then they would seek to recover cost from dog owner. I had to do this.
AXA then made zero attempt to recover costs and simply left claim with me.
I called them numerous times. Early on I was told they were seeking garda report but in the end I was told they didn't believe the amount that was worth chasing and that the decision was theirs.
I'd be slow to claim on my own policy like that again.
AXA were terrible. I could never talk to same person and they rarely called back.

surrender monkey

I had a driver with axa insurance reverse into my parked car while I was standing there watching him. Driver apologised and I took his details. Only very small damage to my bumper. Agreed to let him pay outside insurance. When I tried to contact him he wouldn't engage so I reported the fender bender to axa. When the driver found out about that he went mental and said I crashed into the back of him and denied any liability to axa. Axa went along with this and didn't even contact me, there was no investigation what so ever. I rang every day until the claims handler would take my call and then she told me the investigation was closed as I crashed into their car. I put it to the claims handler that I had their clients name, telephone number, reg and insurance details and to ask her client my name and details as surely if I had crashed Into their driver he would have taken all my details. I asked her to go off and actually conduct an investigation into the matter and asked her to google her clients name and address to see what type of person her client was (he had been in the papers recently for theft ) . An independent witness also contacted axa on my behalf. They had to pay out in the end, but axa made it very difficult and most people would have given up.

Johngoose

surrender monkey wrote: »

I had a driver with axa insurance reverse into my parked car while I was standing there watching him. Driver apologised and I took his details. Only very small damage to my bumper. Agreed to let him pay outside insurance. When I tried to contact him he wouldn't engage so I reported the fender bender to axa. When the driver found out about that he went mental and said I crashed into the back of him and denied any liability to axa. Axa went along with this and didn't even contact me, there was no investigation what so ever. I rang every day until the claims handler would take my call and then she told me the investigation was closed as I crashed into their car. I put it to the claims handler that I had their clients name, telephone number, reg and insurance details and to ask her client my name and details as surely if I had crashed Into their driver he would have taken all my details. I asked her to go off and actually conduct an investigation into the matter and asked her to google her clients name and address to see what type of person her client was (he had been in the papers recently for theft ) . An independent witness also contacted axa on my behalf. They had to pay out in the end, but axa made it very difficult and most people would have given up.

Sounds about right, profit margins seem to be their main concern

Johngoose

mickdw wrote: »

I had great faith in AXA until I had a claim. I hit a dog that ran into road. Dog owner spoke to garda at scene and agreed to pay etc. I notified a a of the accident. Anyway dog owner couldn't come up withh payment. AXA advised that I could claim off my own policy then they would seek to recover cost from dog owner. I had to do this.
AXA then made zero attempt to recover costs and simply left claim with me.
I called them numerous times. Early on I was told they were seeking garda report but in the end I was told they didn't believe the amount that was worth chasing and that the decision was theirs.
I'd be slow to claim on my own policy like that again.
AXA were terrible. I could never talk to same person and they rarely called back.

That was my point too that the claim handler <mod snip> was always either out of office or on her break. That’s why I too wouldn’t claim against my own policy, which I can’t anyway as it happens, as I would never recoup the money.

Johngoose

surrender monkey wrote: »

I had a driver with axa insurance reverse into my parked car while I was standing there watching him. Driver apologised and I took his details. Only very small damage to my bumper. Agreed to let him pay outside insurance. When I tried to contact him he wouldn't engage so I reported the fender bender to axa. When the driver found out about that he went mental and said I crashed into the back of him and denied any liability to axa. Axa went along with this and didn't even contact me, there was no investigation what so ever. I rang every day until the claims handler would take my call and then she told me the investigation was closed as I crashed into their car. I put it to the claims handler that I had their clients name, telephone number, reg and insurance details and to ask her client my name and details as surely if I had crashed Into their driver he would have taken all my details. I asked her to go off and actually conduct an investigation into the matter and asked her to google her clients name and address to see what type of person her client was (he had been in the papers recently for theft ) . An independent witness also contacted axa on my behalf. They had to pay out in the end, but axa made it very difficult and most people would have given up.

I similarly had my claim against the Axa policy holder closed by Axa. They did a very one sided investigation and then totally denied any liability.

Johngoose

CeilingFly wrote: »

no, its called an error. But sure you know best - "lawyers" (do we have lawyers in Ireland?) "Ombudsman" etc.

Yep, I think that why axa are ignoring you.

Here's a little advice for life - try being nice to people when you are looking for something to be done.

I tried being civil with them and they just denied liability, so your argument doesn’t hold water.

Johngoose

Business Cat wrote: »

I'm not sure what you getting so het up about.

Axa are doing exactly what they are bound to do in the event of a claim, protect their customer.

You expect them to accept liability just because you say so?

Nonsense.


If that were the case I could ring any insurer tomorrow with a random policy number and tell them their driver crashed into me and they have to give me money.

They have to investigate it and pending an independent witness report they will deny liability as they rightly should.

The sense of entitlement that some people have is mind boggling.

Do you know about my particular case? Do you work for Axa?

Johngoose

CeilingFly wrote: »

no, its called an error. But sure you know best - "lawyers" (do we have lawyers in Ireland?) "Ombudsman" etc.

Yep, I think that why axa are ignoring you.

Here's a little advice for life - try being nice to people when you are looking for something to be done.

So you would be okay with a company sending personal information about you to the wrong address, to the wrong county in this case?