Viggen update: still no love

UPDATED below

A number of people have warned me that despite their advertising as a car enthusiast’s insurer, my insurance company is owned by a parent company that are the corporate equivalent of Jabba the Hut’s sphincter. And I’m beginning to get an understanding as to why.

First, they investigated the circumstances of the accident, took a 4-page statement from me, viewed the scene and interviewed the hosts of the day. Despite all this pointing to the accident being what I said it was, they declined to cover the accident.

So last week I finally got around to writing to them in appeal of that decision. In that letter, I clearly set out why their initial reasons for denying the claim were in error.

The initial reason they denied the claim was their belief that I was training to drive my car to its full potential and/or training for competition. I explained in my letter that this clearly wasn’t the case, and that the event was a driver training day only and I was merely learning to be a better driver in general, and to do so in my own car.

I don’t have the latest letter here, but it came in the mail today (which is very, very quick given that I faxed it at 4.45pm last Friday) and my wife has just read it to me over the phone.

Now their reason for declining coverage is that they believe the event was held under the jurisdiction of the Confederation of Australian Motor Sport (CAMS). Naturally, any event held under CAMS’s jurisdiction isn’t covered by my policy.

So now, we still have them making up their own truth as they see fit as well as shifting the playing field by changing the reason for denying coverage.

As I explained in my letter to them:

The reference to CAMS on the application and the requirement to purchase CAMS’s most basic licence was a requirement to participate so that the club’s public liability insurance requirements would be satisfied. There was no other CAMS licensing required or paid for on the day.

Bastards.

The event wasn’t held under the auspices of CAMS but it was hosted by a CAMS affiliated club, who have their insurance for such events underwritten by CAMS. There was no motorsport taking place.

So the music starts and we all get up and dance again. Will keep you posted.

——

UPDATE:

I have a feeling that this insurer isn’t going to do anything but deny the claim until some external pressure is brought to bear. In order to get some advice in this regard, I thought it’d be prudent to call the Insurance Industry Ombudsman here in Australia.

I called at 4.40pm and although a real person answered the phone, she told me I’d have to call back tomorrow, as the office has closed early for the day.

That’s the kind of day I’m having……

You may also like

17 Comments

  1. Swade,

    Now you have them where you want them, as you can call them out on what I refer to as “mudslinging” where they are changing their minds on their reasons as they see fit and using just about anything to do it.

    You’ve got a case building now. Go get them.

    Good luck!

  2. Swade, you nerfherder, that’s Star Wars references in two posts straight. Did you just watch Return of the Jedi again? If so, well done.

    You do realize that when the Viggen’s working again you have to go and get right back on the horse that bucked you, right? I want to see in-car video of you taking that driver’s training course again! Show all those Alfa guys that a high-powered FWD car can be controllable! 🙂

  3. Bunch of A….holes !!! I will never ever touch this mob even if they give me a policy for free. I will promote this to others too as they do not deserve any legitimate business.

  4. Dont give up mate, the underwriters of your insurance company are real bastards to deal with,

    My mum had a battle with them and won so dont give up!!

    al

  5. Arild,

    “The word ombudsman and its specific meaning, Swedish in origin, have since been adopted in to English as well as other languages, and ombudsmen have been instituted by other governments and organizations such as the European Union.”

    🙂

  6. Don’t know anything about the Australian insurance laws, but in the U.S. it is often quite useful to contact your elected representatives and then cc them whenever you write to the insurance company. Getting your story out in the print/TV media might also be something to consider.

  7. I’d make sure that my next correspondence to this den of thieves was through my attorney so they’d quit thinking they could put me off forever with fabrications and denial of clear, documented facts.

  8. Exactly what jc_atl said. It’s easy to not want to pay for attorneys or deal with them, but that and bad publicity are the only things that seem to rattle businesses anymore.

    Sad, but that’s just how things are. Gotta employ one of the two to pull some teeth before any wheels start rolling (heads also applicable).

  9. Best of luck in that battle, Swade. Great idea
    to above their heads. Create a paper
    trail and keep everyone in the loop. Have you
    considered getting a lawyer involved? Having
    a letter from a lawyer’s office might prompt
    that good-for-nothing insurance agency to agree with you.

  10. Thanks folks. The lawyer is getting involved in a more serious manner now. It’s still just a case of letters back and forth, but some external scrutiny will hopefully make these jokers realise that the situation is being taken seriously.

Leave a Reply

Your email address will not be published. Required fields are marked *