My car was stolen 4 weeks ago. I am trying to claim my insurance, although with great difficulty due to their lack of communication and minformation that they keep giving me.
My car was recovered, but they are going to write it off, but my V5 was in the car - I told the insurance co this 3 weeks ago, and was told to send them a cover note, and this would probably be enough. 3 weeks later - I have still been waiting to hear from them, and have been told that I need to obtain a copy of my V5 or a letter from the DVLA on headed paper to confirm that I was the registered keeper.
The DVLA said that they are unable to provide a letter for me, and to obtain an additional V5 it will cost me a further £25, even though it wasn't my fault it was stolen, and I no longer have the vehicle. My insurance co will not re-imburse this money, so it is leaving me even further out of pocket.
I was then told that I would be able to get a Microfiche of the original V5 free of charge from the DVLA
2007-12-05 23:16:58 · 3 answers · asked by ♥Miss Inquisitive♥ 5 in Cars & Transportation ➔ Insurance & Registration
However, on contacting the DVLA - AGAIN, I was told that they cannot do this as the police don't have the car on record as stolen????!!!! I don't understand this as I reported the car to the police, and was given a crime ref no. Is it maybe because the car was recovered?
It doesn't seem fair that I am the victim in this, and yet, my insurance will go up because I've had to claim, I have to pay the first £150 excess, and then a further £25 for a replacement V5, and I doubt I will get back anywhere near what the car is actually worth.
I am so fed up and have lost the will to proceed with my claim, at the rate it is going, I will be lucky to get anything back from them.
Also, even after paying the additional £25, it could take the DVLA another 4 weeks before they send me a replacement, which drags my claim out even further.
Should my insurance co, not be able to contact DVLA to confirm that I was the registered keeper without having to obtain a duplicate V5?
2007-12-05 23:20:24 · update #1
Just to confirm - although the car was recovered, the V5 was not recovered - for some daft reason the thiefs kept a hold of it.
2007-12-05 23:21:13 · update #2
I don't have a habit of keeping my documents in the car, but had just recently taxed it, and forgot to take them back out.
2007-12-05 23:46:48 · update #3
In UK the insurance company can tell who has insured your car. If it has been taxed and who is the registered owner. i would suggest you changed your insurer next time around but remember they are almost a monopoly. Your car was stolen --- not your fault.
You left the V5 in it ---- that is your fault
One of the problems of this sort of thing even an accident that is not your fault is the damned inconvenience in trying to sort things out even if the Insurance company is being helpful
2007-12-06 08:30:25 · answer #1 · answered by Scouse 7 · 0⤊ 0⤋
you cleared something up right at the end i was going to suggest about the v5. the crime number is all the insurance company should want. the police computer may have paired up and deleted your stolen car marker along with the found marker as is usual. the crime number however is permanent and this they can check with police and if required you can obtain a copy of the report but it will cost you (normal data protection rules that applies to everyone). i would try the dvla again in the hope of getting someone else who is helpful, faiing that, email them so you have proof of what they reply.
2007-12-05 23:30:11 · answer #2 · answered by Anonymous · 1⤊ 0⤋
Not your fault the V5 was stolen? Of course it was, you left it in the car - which you are told time and time again NEVER to do. The V5 is worth a lot more than the actual car to a crook. Would you leave your credit cards lying around in the car because you'd just used them?
That's why DVLA charge for a replacement, to discourage people from being daft or careless enough to leave them where they shouldn't. You're going to have to pay up for a replacement, I'm afraid.
2007-12-06 17:36:08 · answer #3 · answered by champer 7 · 1⤊ 1⤋
With he V5, people can do anything with it; use it for fake cars to sell in your name. You must NEVER leave a V5 in a car. It will now be on the black market being sold to someone. The DVLA also recommend that you never leave it in the car because of this reason, and the insurance company will not reimburse you for it.
2007-12-05 23:35:45 · answer #4 · answered by Anonymous · 0⤊ 0⤋
CHECK WITH THE BOARD OF INSURANCE WHICH IS ON LINE AND SEE IF THEY CAN HELP YOU.
2007-12-06 01:30:06 · answer #5 · answered by Anonymous · 0⤊ 0⤋