Blimey, Arborisk, what a joke

[Dawsie]

Following on from my recent post, I took the advice from some members to lodge a formal complaint, just come off the phone to them now, if you could hear the bullshit they coming out with, if it wasn’t so serious it would be funny.

 

I urge anyone who has a policy with them to take the time to scrutinise every word of the conditions, because I think some of you may find you are wasting your money and the product is worthless.

Rant over (for now).

[Rich Rule]

Can you let us know what they were saying?   
 

Are you taking the complaint to the next level?

 

No worries, if answering, may jeopardise how you are looking to proceed with the claim.

[Dawsie]

Definitely taking this as far as I can, best if I don’t go into too much detail at the moment, other than very disappointed with responses to my questions, there’s been a lot of ‘changing the goal posts’ if you know what I mean.

[Paul in the woods]

I would strongly suggest recording phone conversations if you can. Also worth asking for a copy of their recording if it goes that far.

[Baldbloke]

I would strongly suggest recording phone conversations if you can. Also worth asking for a copy of their recording if it goes that far.

Transcripts are supposed to be kept by the insurer, available for both parties in case of a dispute.
Insurance companies are known to try to hold on to them until the last possible moment if it looks like a case is going against them.
An Arbitrator would insist on the earliest availability, but raising a court action could mean it’s kept back for their advantage until it’s requested by the impartial court.
A friend in a no fault, but fatal, road accident who allowed her Australian Dad to drive her car in the U.K. discovered this. She almost lost her professional livelihood until a manslaughter court action released the transcripts showing she had mentioned to her insurers that she required her Dad to be able to drive her car. Such detail had been omitted from the paperwork…..

[openspaceman]

39 minutes ago, Baldbloke said:

transcripts showing she had mentioned to her insurers that she required her Dad to be able to drive her car. Such detail had been omitted from the paperwork…..

She was lucky then as named drivers should be on the paper certificate which is issued.

[Paul in the woods]

10 hours ago, Baldbloke said:

Transcripts are supposed to be kept by the insurer, available for both parties in case of a dispute.
Insurance companies are known to try to hold on to them until the last possible moment if it looks like a case is going against them.

Aren't they made available under the various data protection acts? I.e. just submit a subject access request and they have to provide all your data within a few weeks.

[dumper]

I’m not trying to stick up for arborisk here, I have travelled all over the uk for the last 30 years with saws, chipper tractors etc and have always been told and assumed that the tools in the truck were not insured at night, this has made us very careful of where we stay, we never now use any of the major hotels unless we can jamb the vehicles much preferring out of the way private bed and breakfast.we have also invested in multiple chains and steel tool boxes. My broker has always insisted we have extra padlocks on the doors and lock everything inside the vehicle. It’s up to you to stop the thefts not rely on a payout once they have occurred 

[Baldbloke]

She was lucky then as named drivers should be on the paper certificate which is issued.

She’d amended her policy prior to her dad arriving in the U.K. but the paperwork hadn’t been updated. That’s precisely why the Police put her on caution. The transcripts weren’t released until her solicitor got involved. Once those copies of her phone conversation were available all charges were dropped and the insurers paid up.

She had over a month of worry until the truth came out.

Her Dad had T boned an elderly uninsured driver who pulled out of a minor road. He died, her mother got broken ribs and her Dad was also in a very bad way. Luckily my friend had built in airbags and just suffered bruising.

The dead bloke’s doctor had previously informed DVLA that the elderly gents sight was compromised and that he shouldn’t be driving.

 

[steve@black]

I agree with dumper , we are fully aware kit is not covered whilst left in a van overnight . We tend to do the same thing and stay away from mainstream hotels.  You would be surprised the cost of manor or hall type hotels are often similar.  Quite comical turning up to a posh house with chip trucks , chippers and a few smelly arbs . Again layer security , chain stuff up., back things into corners or park them up directly outside reception .  That all said gonna happen sometime I'm sure . 

Edited November 7, 2021 by steve@black