Car Insurance -They Say I Have 1 Claim On Record But I Have Not Never Made A Claim

[pumpjack]

last month driving and bonnet popped up, made minimal damage and crack on windscreen, i callede insurance underwriters ( zenith ) exalined everything , they told me it was coming up on their system that car was written off !! i told thenm it wass minimal damage and i was going to pay for it myself , late that day i got a text message " your claim is with ******, as you have indicated there is no damnageto your own vehicle, or that you wish not to claim, nothing further is required, if this changes please call us , if there was a third party involved and they require any information please direct them to us, as your insururer in this instance.

ive made no claim but they have it down on my tesco car olicy that i have 1 claim in last 5 years .

ive since relaced windscreen for new one, little bit dent on roof and bonnet and car body repair shop will be fixing that soon, is it worth my while as zenith are probably still saying that car is write off ?

what to do about this

[Mamyalynne]

Some firms see a contact as the beginnings of a potential claim.

[dannyk13]

Are the saying that you wrote it off or that it has previously been written off. Before classing a claim as a write off it is usual for the insurance company to have the vehicle examined.

[bednobs]

Where did you buy the car? Did you check it hadn't previously been written off when you bought it? Do zenith say when it was written off? When is the tesco claim from? Did you have the car then?

[Mamyalynne]

https://www.theanswerbank.co.uk/Insurance/Question1693498.html

[pumpjack]

if car was down before as write off then surely i would never ever be able to insure it.
tesco tell me because i ranng up the claims dept and was going to make a claim then zenith have logged that on the system.

surely when i go to renew my car insurance in 2 mths time i will be able to do so, or will these cowboys be allowed to turn around and claim its a write off ?

[dannyk13]

Pumpjack, have you asked them why they are claiming that it is a write off?

[bednobs]

hi, you make it sound from your q that when you called them, the car was ALREADY registered as a write off. Is that right or did they say they were GOING to write off your car

[Ryzen]

Generally, if there is a possibility of the vehicle being written off due to panel damage,the insurer will, from the initial claim enquiry,obtain all quotes for repairs etc, then, will contact the claimant and discuss options.If the claimant decides to withdraw, the claim is scrapped and nothing changes.

[soxmis_sid]

Cars are written off by insurance companies if they decide the cost of repairs is greater than the value of the car. However "write offs" can be repaired and legally returned to the road.

[ParsleyDumpling]

Hi, I had an accident last November. Insurance wrote car off because they said it was not economical to repair it. We were allowed to keep the car (low mileage and very expensive reg. plate on it), the insurance paid us an additional £4,000, and no longer wanted to insure it when the renewal was due about a month later. It was classed as N I think for future insurance purposes. We had all the damage repaired, plus a new cam belt, full service and MOT, and repair to some previous damage for £1,200 at a local one man garage (the insurers' garage said damage repair would be £6,000!!!). The car was insured with Hastings for less than our previous insurer. I seriously wonder how some insurance companies stay in business, and why they don't use the smaller garages for their repairs. So yes the car can be an insurance write off, and still legally be on the road. I am surprised your insurer was not aware of this (even if you weren't) when you first insured with them.