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prezzy



Member Since: 04 Jan 2010
Location: Huddersfield
Posts: 126

England 2009 Defender 90 Puma 2.4 SVX Station Wagon Santorini Black
Interview!
After having my Defender stolen last week the insurance company (Hastings Direct) have informed me that they would like to send someone round to "interview" me about the theft, seeing as it's a "high value" motor!

Is this common practice?
Post #682270 28th Jan 2018 12:18pm
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familymad



Member Since: 13 Dec 2011
Location: Bucks
Posts: 3459

 2016 Defender 130 Puma 2.2 HCPU Santorini Black
Wow, not that I know of. Best to dig out the suit then .... 1951 80" S1 2.0
1995 110 300TDI
1995 90 300TDI
Post #682271 28th Jan 2018 12:37pm
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leeds



Member Since: 28 Dec 2009
Location: West Yorkshire
Posts: 8578

United Kingdom 
Interview sounds like a visit from a loss adjuster. Was your vehicle kept where you stated it was on policy.

i.e. Policy said locked garage/drive but on road.

What security precautions were in place compared with what was on policy.

Are you claiming for any undeclared or illegal modifications? i.e. standard headlights swopped for LED headlights can have an impact on policy premiums as risk is different.

Check what you said on your insurance proposal before the interview.

We have only had loss adjuster out once when a certain insurance company who pays out in 97% of cases without fuss were trying to literally con us!

Good luck.

Brendan
Post #682272 28th Jan 2018 12:42pm
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prezzy



Member Since: 04 Jan 2010
Location: Huddersfield
Posts: 126

England 2009 Defender 90 Puma 2.4 SVX Station Wagon Santorini Black
Vehicle was on the drive, as stated the policy.
It had a tracker fitted but that wasn't declared on the policy.
Post #682276 28th Jan 2018 1:04pm
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stanley



Member Since: 18 Sep 2009
Location: Dorset /hampshire
Posts: 1025

United Kingdom 2011 Defender 110 Puma 2.4 USW Orkney Grey
Has the tracker located the vehicle ?just out of interest .
Post #682277 28th Jan 2018 1:07pm
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J@mes



Member Since: 20 Apr 2012
Location: Bomber County
Posts: 36

United Kingdom 
I'm going to assume, because I'm cynical, that they're not doing this for your benefit. It's for theirs. Now, they may be gathering info on how the thefts take place, or they may be gathering info on how to reduce the pay out or avoid it all together?

I think I'd be asking where in my contract with them it states I was subject to interview, and if the outcome is going to affect your pay out?
Post #682283 28th Jan 2018 1:27pm
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prezzy



Member Since: 04 Jan 2010
Location: Huddersfield
Posts: 126

England 2009 Defender 90 Puma 2.4 SVX Station Wagon Santorini Black
I think you're spot on J@mes.
Post #682293 28th Jan 2018 2:37pm
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BLACK LAB



Member Since: 07 Dec 2016
Location: AYRSHIRE
Posts: 165

United Kingdom 2006 Defender 90 Td5 XS CSW Tonga Green
You can be rest assured that the slimey b4stards are gonna try and wriggle out of paying out for the loss of your beloved vehicle . Make sure you record the interview and make sure you have a silent and if possible independent witness sitting taking notes . Tell the investigator why you are doing it so he's on the back foot straight away .
Tell him you know his game from the word go . 2006 DEFENDER 90 TD5 CSW XS
2018 RANGE ROVER SPORT HSE DYNAMIC
Post #682308 28th Jan 2018 3:28pm
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Orchard



Member Since: 07 May 2015
Location: Usually walking the dog
Posts: 258

There’s a reason they are called loss adjusters - to reduce the loss by the Ins Co. I’ve had recent on a house insurance theft claim. Basically they tried everything to not pay, so I got the Ombudsman involved who told me to formally complain, wait 8 wks for a response, and then if unhappy ask them to investigate - which Ins Cos hate because the findings are made public on the Ins Ombudsman website
They found in our favour on 2 out if 3 complaints. You’ve got to be patient but do not accept the first offer, be a polite pain. Money Saving Expert has a brilliant online forum with loads of advice. 2015 90 XS SW Bowler
1998 TD5 CSW
Post #682335 28th Jan 2018 4:31pm
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prezzy



Member Since: 04 Jan 2010
Location: Huddersfield
Posts: 126

England 2009 Defender 90 Puma 2.4 SVX Station Wagon Santorini Black
Thanks for the replies.
I'm a firm believer in treating people how they treat you!
That's a good suggestion about having someone else there listening and taking notes.
I'll have a look on the Martin Lewis website. Thumbs Up
Post #682336 28th Jan 2018 4:52pm
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Supacat



Member Since: 16 Oct 2012
Location: West Yorkshire
Posts: 11018

United Kingdom 2013 Defender 110 Puma 2.2 XS DCPU Keswick Green
Do you have to entertain the bod? Why not say it would be inconvenient & ask them to put their questions in writing?
Post #682340 28th Jan 2018 5:08pm
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discomog



Member Since: 09 May 2015
Location: Notts/Lincs Border
Posts: 2494

United Kingdom 2015 Defender 90 Puma 2.2 XS CSW Santorini Black
I cannot add anything to what has already being said but I wish you all the best and hope it's a successful outcome for you. I would certainly read your policy schedule very carefully before they arrive. Just make sure you are fully prepared, as some have already said they are not coming to see you for your benefit.

I'm sure we would all like to know how you get on. Defender 90XS SW
Mini Countryman Cooper S
Morgan Plus 8
Post #682359 28th Jan 2018 6:21pm
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prezzy



Member Since: 04 Jan 2010
Location: Huddersfield
Posts: 126

England 2009 Defender 90 Puma 2.4 SVX Station Wagon Santorini Black
I will keep you all informed Thumbs Up
Post #682378 28th Jan 2018 7:21pm
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mk1collector



Member Since: 17 Sep 2009
Location: West Yorkshire
Posts: 6769

England 2004 Defender 110 Td5 CSW Bonatti Grey
All I can say is good luck Thumbs Up I could come round and Nick the interviewers car while he's there if you want to see how he likes it Rolling with laughter Ray
My build thread
http://www.defender2.net/forum/topic17615.html
Post #682401 28th Jan 2018 7:43pm
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prezzy



Member Since: 04 Jan 2010
Location: Huddersfield
Posts: 126

England 2009 Defender 90 Puma 2.4 SVX Station Wagon Santorini Black
I'll give you a shout if its going badly! Wink
Post #682420 28th Jan 2018 8:17pm
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