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Hello my name is ***** ***** I will help you with your question today. I am reviewing it, please give me a moment.
What is it you want to know about this?
Why wont the insurance pay out?
ok. So you have not said the reason they won’t pay out.
What is the value you want to claim?
You need to write and set out your losses and request a refund from the insurance company within 14 days from the date the letter was sent in the post, 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 https://www.gov.uk/government/publications/form-n1-claim-form-cpr-part-7 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?
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Can you see my response above ?
Ok - but that is why you need to write if they refuse to pay
Does that clarify?
Correct. It comes under contract which is common law. Therefore no Act exists.
Yes I realise that. That is why you need to sue your insurance co to get the money out of them.
Does that Clarify?
That is correct.
Does that assist?
Ok - can I assist with anything else today?