I feel basically that I have been treated very badly. I suspect I was defrauded in the first accident and that the Insurance company new (or should have known) perfectly well there was an undeclared accident on my policy and that they had an "opt out" if I made a significant claim. I lost about £500 in the sorting out of the second claim) and because of two claims in a short period of time, I am paying over a thousand pounds a year for cover.
You need to write and complain to the Insurance company about the situation.
Once they respond you could then take it to the Ombudsman, but only when they respond.
They offer a free and independent service at: www.financial-ombudsman.org.uk
They will make a determination and if it is against you, then you could pursue the Insurance company at Court.
You need to write and set out your losses and request a refund within 14 days or say you will go to Court within 14 days. You should make sure you send this signed delivery and keep a copy.
If they do not refund you then you can issue proceedings in the County Court. You can either do this online at: www.moneyclaim.gov.uk or by completing form N1 http://hmctsformfinder.justice.gov.uk/courtfinder/forms/n001-eng.pdf and take it to your local County Court.
The Court will then issue a claim which a copy will be sent to the Defendant who will have a limited time to defend it, if not you can enter Judgment and enforce.
If the claim is for £10,000 or less it will be a small claim so you will not need legal representation. Over this value you would need representation for trial.
Can I clarify anything for you about this today please?
They have already told me they will make no further response to any of my questions.
Ok - then you should go to the Ombudsman and then Court
Does that help?
Only not sure whether I have a case to pursue or not. The Insurers have refused to communicate with me.
Yes I think you so, you should go via the Ombudsman first though,
That is free.
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