Am I trapped in in­sur­ance hell?

The Daily Telegraph - Your Money - - READERS’ LETTERS -

One morn­ing late last year my Peu­geot was parked in a ho­tel car park in France. The front tyres were touch­ing the kerb and the off­side wheels were brush­ing the ad­ja­cent kerb. The di­a­gram drawn by the of­fend­ing driver shows my car stand­ing out in the road. It was not. It was 8.05am lo­cal time and dark. I was load­ing my ve­hi­cle and had left its tail­gate open while I went to get a suit­case from the front pas­sen­ger seat. A truck was re­vers­ing and caught the opened tail­gate.

The de­tails of the ac­ci­dent were dealt with in the con­sulate. My con­tact there spoke with the driver and also con­tacted the in­sur­ance rep­re­sen­ta­tive who agreed to pay the costs for my re­turn to Eng­land.

On my re­turn I was con­tacted by sev­eral com­pa­nies re­gard­ing ve­hi­cle hire, claim for in­con­ve­nience and also whiplash in­juries, all of which I de­clined. I was able to use a spare com­pany van un­til my ve­hi­cle was re­turned. I am metic­u­lous in my life, tak­ing only what is due.

I rang Peu­geot In­sur­ance on prob­a­bly eight to 10 oc­ca­sions to fol­low up the claim and each time I was put through to a dif­fer­ent per­son. One per­son in Glas­gow told me I had no claim on the in­sur­ance com­pany. GG, GLOS

Many read­ers com­plain that the fi­nan­cial in­sti­tu­tions which are keen to take their money are less will­ing to an­swer le­git­i­mate ques­tions.

You felt strongly that you had been fair and rea­son­able with the in­surer so it was all the more duty bound to be fair with you.

Fol­low­ing the ac­ci­dent you were quite shaken up and seemed more trau­ma­tised than you would have ex­pected. As time passed you re­port that you be­came un­usu­ally star­tled by any sud­den noise or peo­ple ap­proach­ing you out of your field of vi­sion. Each time you en­vis­aged the car be­ing pushed to­wards you with the sound of an ex­plo­sion, as hap­pened in the ac­ci­dent.

It took nearly five weeks for the ve­hi­cle to

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