Car insurance (gobsmacked)

Last march some toerag decided he would try and scam me by saying I reversed into his car when I was driving out of a parking space (parallel parked he had parked behind me).

I told him he was having a laugh, I took photos of both cars, and gave him my details as you are legally bound to do. I rang my insurers and the local police and told them what had happened.

2 days later the guy rang me and demanded I hand over £695 for the repair on his car. I told him to forward me a copy of the quote, or to drop round to my address.

Not surprisingly I didn't hear anything from him. The day after I called my insurance and gave them an update. I also stressed to them that if any claim appeared, they must contact me and I will supply them with a witness and photographs. And that under no circumstances were they to pay out until I had been contacted.

Anyhoo, today I rang them to tell them I shall not be renewing my policy with them, as they are too expensive.

Imagine my surprise when it was revealed that they had paid out that git £2300!!!!

I have now lost two years no claims. Turns out that some insurance companies have a "gentleman's agreement" and just pay out without investigation, this is all to save paperwork, therefore doing their bit to save the planet!!!.

I, was, totally gobsmacked!! They even admitted that my instructions were overlooked, and a copy of the other parties engineers report was never asked for. " We're very sorry sir but that shouldn't have happened" 

Too flipping right it shouldn't have, I can't believe what has gone on.

Luckily, I have still got the photos and I have sent them to the insurance company.

Should have an update tomorrow.