Insurance companies are in the business of collecting monthly premiums but are not happy to pay out on the policy when something goes wrong. In 2018, I had my vehicle insured with Esure. In July of same year, I was involved in a roadside collission where liability was disputed. My opponents made a claim on my policy which I rejected, so I requested a court hearing by activating my legal cover for which I had been paying a premium.
Esure took over the matter after, evaluated the circumstances and decided that I was at fault, paid out on the Policy on a non-fault policy but recorded that I was at fault for the collission, which obviously remained on my records at the insurance bereau and increased my premiums for subsequent policies.
I went beserk after I found out by requesting a disclosure and sued Esure.
I requested £1,000 per year subsequent increase to my yearly premiums for 5years.
They defended to an extent (they always defend); but I didnt let that bother because when it comes to “crunch time”, they will pay-up and they did pay me £5,000 a week before the trial date.
My case was that my insurance company’s view of the accident did not matter as liability for an accident can only be decided by a competent Judge sitting at a small claims trial and it was irrelevant what anyone else thinks after I had demanded my day in court and the court certainly would have agreed with me if Esure did not chicken-out before the trial.
