Has anyone had a bad experience with insurance claims?

@Asylum (45986)
Manchester, England
November 18, 2006 7:58pm CST
I bought my house 7 years ago and took out building and contents insurance, which I have paid for this period without a claim. Several weeks ago a drunken driver collided with my wall and demolished it, so I contacted my insurance company. I was told that I had to claim from them and they would then pass the claim on to the driver's insurance. I was then told that I must pay a £50 excess, but when they claim the cost back from the other insurance company they will not claim back the £50 for me. This means that I pay £50 and the insurance company pays nothing. I have been to 5 insurance companies on the internet because I intend to switch to another, but 3 of them will not even give me a quote because I have made a claim in the last 3 years. Therefore because a drunken driver hit my wall I am paying £50 and have been refused by other insurers, it would have been easier not to insure the house.
1 person likes this
2 responses
@isasice (2015)
• Iceland
19 Nov 06
Can you make the claim directly from the car insurance company? This is very unfair. I never had much experience with insurance companies as I never had to make any claims (knock on wood). I think in Iceland you would just go directly to the drivres insurance company or sue him directly. If you can't do that, tell your insurance company that you are going to contact the media and ask them to do a story about how unfair this is. That might change their mind. Good luck with this
1 person likes this
@caribe (2465)
• United States
20 Nov 06
That doesn't seem to be fair. Did the insurance have a deductible? I had a claim several years ago on a new car that a company burned while installing a hitch. My insurance company (Allstate Ins.) paid me in full and fought with the company that burned my car. I don't believe my insurance company ever recovered their money from the other people.