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Wolfpack

Member Since: 25 May 2019

Location: Norfolk, UK

Posts: 478

Narpy wrote:
Nice one Moley, thanks for that.
I’ll go down the “ghost” route and see what they have to say for themselves.
I can catergorically confirm with two trackers and 3 cameras, that my car never moved on the date in question so it will potentially get quite interesting if they become insistent.
I’m gonna keep that info up my sleeve for the time being as I don’t believe it’s up to me to prove I wasn’t involved and more the claimant who should prove I was involved.

Really disappointed that the insurance company registered a claim against me without speaking to me first though.
They’ll have to do some crawling to right that wrong.

You will need to get your insurer to confirm in writing that no claim has been registered to you once this is sorted.

Some years ago the wife lost her spectacles. I rang the insurers and (in those days) they said they would post a claims form. Next morning the wife found the spectacles and I re phoned the insurers. I confirmed that they hadn’t posted the paperwork yet …so I told them not to bother.

The next year I got a notification that I had 2 claims in the year and my premium was going up.
Now I had one claim for a carpet that was damaged but not two !

Yes they had the spectacles on there as the 2nd.

I argued that the claim wasn’t progressed …they didn’t even send out paperwork! They just said that initiating a claim was sufficient for it to go on my record….the outcome was irrelevant.

Make sure you get a written retraction.
Post #41424 20th Oct 2025 1:46 pm
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Mole HD

Member Since: 18 Nov 2024

Location: Orkney Islands

Posts: 596

Shouldn't a protected no claims bonus deal with that though? I'd have to check the small print on it...but I will be looking closer at that option to see if it does what I only think it does.

If it doesn't do what it says on the tin, even though it's only pennies to add it to your policy, it'll be getting binned, I already pay the shysters more than enough for their legally enforced licence to print money.

Last edited by Mole HD on 20th Oct 2025 6:09 pm. Edited 1 time in total
Post #41425 20th Oct 2025 1:54 pm
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Narpy

Member Since: 30 Apr 2025

Location: Stockport

Posts: 145

Wolfpack wrote:
Make sure you get a written retraction.

Thanks for that, wise words.👍🏻
Post #41428 20th Oct 2025 2:46 pm
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Mole HD

Member Since: 18 Nov 2024

Location: Orkney Islands

Posts: 596

This has certainly been an endorsement for GPS tracking in general and, strangely enough, the Land Rover InControl Remote app with it's journey logging and GPS tracking figuring in there too

Glad you're recoving from the dreaded lurgy too, Ian. Noticed you'd been quiet on here for a while
Post #41429 20th Oct 2025 6:02 pm
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Narpy

Member Since: 30 Apr 2025

Location: Stockport

Posts: 145

Thanks Moley. It’s a pretty terrible strain that’s doing the rounds at the moment and it took 3 weeks to shake off. Fortunately I suppose, being unwell prevented me from using my car and the tracking info is quite compelling.
Incidentally, I coughed that much, I put my back out.😩

I have offered to submit my date stamped driveway cam footage once the third party advises what time this accident supposedly occurred, as you can easily see my D5 parked up all day.

They have advised which town the accident occured in and I can confirm I’ve never even been there.🤣
Post #41443 22nd Oct 2025 9:33 am
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discus

Member Since: 22 Aug 2019

Location: North

Posts: 181

Interesting case, and one wonders what the outcome would have been if you did not have the evidence to prove you were at home. For my Discovery i would have the incontrol logs, but for my other car i would not be able to prove i wasnt there in a similar scenario.

2024 Discovery Metropolitan D300 - Offroad & Towing Packs - Varesine Blue
2019 Discovery HSE SDV6
Post #41446 22nd Oct 2025 12:29 pm
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Mole HD

Member Since: 18 Nov 2024

Location: Orkney Islands

Posts: 596

I suspect that in most cases, that lack of vital information is what those insurance fraudsters rely on.

Thwarted (in part) by a Land Rover phone app, there's a turn up for the books
Post #41450 22nd Oct 2025 1:22 pm
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DustyLBottoms

Member Since: 11 Aug 2020

Location: Virginia

Posts: 18

Mole HD wrote:
I'm still tempted to buy a dashcam...which for me up here would be almost entirely senseless...but if I ever got caught out somewhere on mainland UK with some muppet jamming the anchors on in front of the Bling Barge in a crash for cash scam...the toerags usually scarper quick when you point out the dashcam...

It's another sad fact that aforementioned muppets and scammers typically target the likes of us with our 'posh' Discos since they can practically guarantee we've got decent insurance

This particular dashcam caught my eye...very tidy and unobtrusive looking. Cheap as 4K dashcams go at £170. Also one of the easiest to install that I've come across, no pulling the roof lining down to run cables or anything.

Amazon Linky

.

I have this very model, highly recommend. People don’t even realize it’s there watching and listening!
Post #41477 24th Oct 2025 3:48 pm
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Mole HD

Member Since: 18 Nov 2024

Location: Orkney Islands

Posts: 596

Thanks Dusty. Is it as easy to install as the tutorial shows in the advertisement? I've still got it on my shopping list...especially now I've heard from someone who has one
Post #41479 24th Oct 2025 3:51 pm
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DustyLBottoms

Member Since: 11 Aug 2020

Location: Virginia

Posts: 18

Yes, just be careful removing the mirror, if you use too much force you can yank and break the electrical connector on the pig tail.
Post #41480 24th Oct 2025 4:05 pm
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Mole HD

Member Since: 18 Nov 2024

Location: Orkney Islands

Posts: 596

Roger that. Thanks for the heads up
Post #41481 24th Oct 2025 4:18 pm
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Narpy

Member Since: 30 Apr 2025

Location: Stockport

Posts: 145

Righto, there’s been a development regarding this spurious claim. Today I have received an update from the insurance company and it states:

“Hello Mr Narpy

This claim 300-12-xxxxxxx has been removed from your policy

Good news, the other person involved hasn't been able to prove your vehicle was involved in the incident on 23rd September 2025. We really hope this hasn't caused you too much stress or inconvenience and we want to thank you for your co-operation.

We've now removed this claim from the Claims and Underwriting Exchange (CUE). This is a database of insurance claims shared by UK insurers to check your claims history.

You don't need to do anything as we've already removed the claim from the CUE database. It won't affect your policy, your no claims discount, your claims history or any future policies - it's as though the claim never existed.”

Gotta say, that’s the weirdest thing I’ve had occur in a long while and it’s one less thing to wonder about.
Thanks everybody for your concern especially the PM’s of reassurance, it’s just a shame my insurance company aren’t so understanding.
Post #41595 3rd Nov 2025 4:15 pm
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Mole HD

Member Since: 18 Nov 2024

Location: Orkney Islands

Posts: 596

I still feel slightly bemused that this spurious claim against you by a third party direct to your insurer...and through them, their underwriters... all without your knowledge or input...apparently resulted in some acceptance of your liability being pre-emptively recorded in the CUE database before any final resolution (in the case of a genuine claim or otherwise) being reached or discussed between insurers...

...Or there's no mention of any investigation relating to attempted insurance fraud being pursued against the false claimant by both yours and the toerag's own insurers in this rather noncommital letter of 'reassurance'.

I'd still be lacing up my ar*e kicking boots whilst typing Mr Angry letters to the Financial Conduct Authority (FCA) who as a body, ensure that insurance firms treat customers fairly and operate transparently. Call me pedantic, but pre-emptively recording a totally unsubstantiated claim against you in the CUE database is hardly being fair or transparent...

Besides those niggles, a great result though

.
Post #41596 3rd Nov 2025 4:46 pm
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Wolfpack

Member Since: 25 May 2019

Location: Norfolk, UK

Posts: 478

Narpy wrote:
Righto, there’s been a development regarding this spurious claim. Today I have received an update from the insurance company and it states:

“Hello Mr Narpy

This claim 300-12-xxxxxxx has been removed from your policy

Good news, the other person involved hasn't been able to prove your vehicle was involved in the incident on 23rd September 2025. We really hope this hasn't caused you too much stress or inconvenience and we want to thank you for your co-operation.

We've now removed this claim from the Claims and Underwriting Exchange (CUE). This is a database of insurance claims shared by UK insurers to check your claims history.

You don't need to do anything as we've already removed the claim from the CUE database. It won't affect your policy, your no claims discount, your claims history or any future policies - it's as though the claim never existed.”

Gotta say, that’s the weirdest thing I’ve had occur in a long while and it’s one less thing to wonder about.
Thanks everybody for your concern especially the PM’s of reassurance, it’s just a shame my insurance company aren’t so understanding.

Pleased that it’s sorted, well done.
Only one thing remains…..a letter to them at renewal time reminding them of the stress, heartache, extra valium and Theakstons Old Peculiar as a result of their actions.

Worth a try for a discount to renew.
Post #41597 3rd Nov 2025 7:08 pm
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Narpy

Member Since: 30 Apr 2025

Location: Stockport

Posts: 145

Moley wrote:
I still feel slightly bemused that this spurious claim against you by a third party direct to your insurer...and through them, their underwriters... all without your knowledge…….

I'd still be lacing up my ar*e kicking boots whilst typing Mr Angry letters to the Financial Conduct Authority (FCA) who as a body, ensure that insurance firms treat customers fairly and operate transparently. Call me pedantic, but pre-emptively recording a totally unsubstantiated claim against you in the CUE database is hardly being fair

.

I’ve gotta tell you Moley, I’m in full agreement. I think my own insurance company haven’t supported their own customer very well at all in this sorry saga and were very quick to record a fault against me without even talking to me, it’s almost as though I’d been proven guilty without a trial. This will be remembered at renewal time, of that, you can be certain.

To be totally honest, I’m pleased with the not guilty verdict ( or not proven ) yet know that I should never have had to jump thru hoops to comply with this madness.
I’m kinda relieved it’s gone away but the whole saga has left a rather unpleasant feeling in its wake and has undermined the confidence I thought I had in my own insurers.🤨

In short, I now think my insurers are a bunch of front bottoms and will be told to Foxtrot Oscar at renewal.😬
Post #41601 4th Nov 2025 9:19 am
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Narpy wrote:

Wolfpack wrote:

Mole HD wrote:

Narpy wrote:

Moley wrote: