ASK TONY: Why did it take my insurer 9 months to get into gear after my e-bike was written off?
Final March, I used to be driving with my e-bike connected to the bicycle rack. A car pulled throughout in entrance of me, forcing me to brake. The motive force behind bumped into my automotive, inflicting in depth injury.
I reported the accident to my insurer, Aviva.
The opposite driver admitted legal responsibility. Aviva suggested that the declare for the injury to the e-bike and rack must be despatched to solicitors Irwin Mitchell, which dealt with its third-party claims.
I’m nonetheless awaiting fee. The delays have been blamed on the pandemic. All that’s required is a settlement of £514.99 for a brand new rack, and £2,950 for the e-bike.
G. B., Budleigh Salterton, Devon.
Backpedalling: A reader was left ready 9 months for insurer Aviva to exchange his electrical bike that was destroyed in a automotive crash
Tony Hazell replies: You hoped your undisputed declare can be settled shortly. However the one factor some insurance coverage firms do swiftly is put up premiums.
Aviva and Irwin Mitchell say they had been working in your behalf behind the scenes. Axa was the insurer for the opposite driver, and Irwin Mitchell says it solely coughed up when threatened with litigation.
An Aviva spokesman apologises for the delay and tells me: ‘There was a delay with the opposite insurer making the fee, regardless of having admitted legal responsibility for the accident at an early stage.
‘Nevertheless, the fee has now been made by the opposite insurer to our buyer following the prospect of authorized proceedings.’
An Irwin Mitchell spokesman apologises, saying: ‘The opposite insurer didn’t reply to repeated chases for fee over a number of months.’
Axa tells a unique story. It apologises however says it was hampered because of delays in receiving documentation it requested. This included clarification of the scale of the declare, which it says was not provided till July 21, and pictures of the injury, which it says it by no means acquired.
An Axa spokesman says: ‘We responded swiftly to all correspondence, however there have been delays in offering the data we would have liked to confirm the declare. We’ve paid to be able to shut the declare.’
You gave me a replica of the e-mail you despatched to Irwin Mitchell on March 31 with photographs of the injury. Aviva has added a £50 to your fee as a gesture of goodwill, and Irwin Mitchell made an ex gratia £100 fee.
How can I monitor down an previous constructing society account?
My spouse discovered an previous Cheltenham & Gloucester passbook displaying a stability of £4,107. We visited the linked deal with in Solihull, the place there’s now a TSB department, and had been instructed C&G had been taken over by Lloyds in 1995.
In 2013, the branches had been rebranded TSB. The workers despatched us to the closest Lloyds department.
Lloyds stated the account now not existed and despatched us again to TSB the place workers instructed us to go to mylostaccount.org.uk. This web site couldn’t discover our account.
J. D., Solihull, W. Mids.
Lloyds has, at my behest, regarded once more. Your account was closed and £4,310.91 was transferred to Alliance & Leicester on June 6, 2008.
Alliance & Leicester was taken over by Santander later that 12 months. You inform me you’re glad to take it from right here.
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