A frugal life is an easy life!

Insurance companies are deliberately delaying no-fault claims to increase profits.

When you have a bump and the third party do not reply, the renewal process takes any "outstanding" claims as justification to increase premiums.

Our car was parked up in a car park.
A huge wagon, working on filling in holes for united utilities drove down the narrow car park to fill in a hole.
So big was it, it was unable to drive back out, so had to reverse.
As it did so, it swung around the corner it had come in through and hit our car and drove off without stopping.

In the process, writing our car off.

I obtained the united utilities job number/reference number and reported it to them and our insurance company, Axa.

A simple job for the insurance company axa, contact united utilities, quote job/reference number, obtain 3rd party details of wagon working on behalf of united utilities.

It's been over a year and a half and still axa have not been able to obtain this information (so they tell us).

Axa's so called legal team have asked four times over the past 18 months for us to provide details, we have, they say nothing for months then ask the same questions again.
We have gone so far as to provide points of contact at united utilities for axa - still no progress.
We have provided a copy of the united utilities job sheet four times - still no progress.
The legal advisor "dealing" with the case has been removed and a new advisor put in place - still no progress.

Axa's legal team (DAC Beachcroft) then sent us an email telling us they were taking united utilities to court, forms to sign would be sent out in the post, that was over a month ago, we are still waiting for them.
We have emailed axa's legal advisors for the forms, again no reply, nothing has been sent out.

Delay, ignorance, lack of effort, failures to adhere to basic standards and failure to respond to their own timescales and correspondence.
Why have our insurance company axa took so little action?

The answer lies with the renewal process.
We pay monthly for our car insurance, when renewal comes up, the case is still outstanding, so is used to remove 14 years no claims bonus and "deem you a risk" - which in basic English means, the monthly insurance premiums triple in price.
As the saying goes, follow the money!

The customer is left hanging, paying out more money, the insurance company (axa in this case) makes more profit, the customer loses their no claims bonus so can't go elsewhere.

We recently had another no fault claim, when a driver pulled out on us, axa emailed to say "we have still not had any response from Esure (the other insurance company)" and so the familiar lack of action begins all over again, just in time for our next insurance renewal...