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.
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.
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……