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ok but do you want to tell me what your question is?
Otherwise we dont' know whether I can help.
I need to know what your question is?
Otherwise I don't know whether I can help.
We can but there is no point in you paying for a call when I don't know whether I can help or not.
I have been asked to look at this for you. I did try to ring shortly before 3 PM but there was no answer. I will try again.
If there was no incident at all, then this is what you do:
The first thing that you need to do is report this to the police and get an incident number.
The second thing you need to do is then contact the insurance company when the incident number and say that this was a fraudulent claim and they should refer it themselves to the police.
If the insurance company do not then agree to reinstate your no claim bonus et cetera et cetera and confirm that it’s being treated as a fraudulent claim you then need to make a complaint in writing to the Financial Ombudsman Service.
However if there was an incident you are quite right that it is their word against yours and it’s not a matter for the police.
If you cannot get through to the insurance company on the telephone then put your complaint in writing and if you haven’t had a satisfactory response within eight weeks, make a complaint to the Financial Ombudsman Service.
That really is the only wave dealing with this.