Some of you may remember a recent thread I started (now archived) concerning the destruction of my car by ATM robbers being pursued by the police. I am thankfully able to report a happy conclusion (from my viewpoint) thanks to the advice from some contributors to the thread. About two days ago I wrote to my insurers (NFU Mutual) asking why they proposed to pay me out under my policy when the guilty vehicle was insured - co-incidentally by NFU. Thanks to advice from nniff of this parish I was able to quote the provision of the Road Traffic Act which makes it clear that the insurers of a stolen vehicle remain liable after the theft. I was arranging insurance this morning (having heard nothing in reply to my letter) for a replacement vehicle and seemed to be facing the usual problem that you can pay to preserve your NCD but they can still bump up your premium after a no fault claim. They were asking for about £80 more than the last renewal of my old policy. I balked at this and decided to tell the rep about my letter. He left me on hold for 10 minutes while he talked to customer service, who had received my letter, and returned authorised to re-arrange my quote as if the incident had never happened. My new quote was the same as my renewal in December, pre-crash.
So, nniff, whoever you are, I owe you a pint! It may also be instructive concerning one's choice of insurer. NFU Mutual consistently tops the list for customer service and fair treatment of claimants. They aren't the cheapest, but I can't really fault their conduct of this claim, and they have retained my custom.
Post edited at 17:52