My wife opened yesterday’s mail during the day, while I was out learning how to build a deck, and found that we had received a reply from my insurer.
As expected, they denied the claim for a third time, the final step in their internal processes. But included n their denial of the claim, were more distinct bullet points as to why. And bullet is the appropriate word.
Chief amongst them is the fact that one of the organisers of the event stated that the driver training was of a nature that could be applied to motorsport. I’d been trying to stress the fact that the Confederation of Australian Motorsport were only linked to this event for the purposes of the club’s insurance, which is true, but this concession by the organiser during the investigation, unbenkown to me, has pretty much killed off my chances.
I’ll take it to the next level, which is an appeal to the Insurance Industry Omudsman – an independant arbiter for insurance related disputes – but I’m now very skeptical about my chances.
I’ll be honest with you, I feel absolutely gutted. I’ve always known that my chances were slim in this case but held up hope based on the argument that we’d put together and the fact that the insurer kept having to change their denial story all the time. But this is a killer blow.
My wife and I have been putting every spare cent into our home loan and we’ve had six interest rate rises here in Australia in the last year or so. Now I’m facing the prospect of having to tell her that I might need to pull $10K or so out to fix the car. If the website was running at the level it was back in June, prior to the changes I made here (or even better, continuing the growth curve it had back then) then I wouldn’t be fussed. I’d pull the money out knowing I had a prospect of earning it back in reasonable time.
Not so, now.
I need to sleep on this and examine their letter again. I’ll definitely be appealing to the Obmudsman – it’s a free service and I think I’ve still got an argument.
But tonight it just feels like crap. Sorry for venting here, but it’s all part of the Viggen story. It will be fixed. I’m bringing it back from my mechanic’s shop next week and I’ll shoot some photos to show where the damage is.
I guess it’s time to start searching for, and stockpiling parts.