March Moss / 26 February 2025 / Categories: Product and Brands, Brands

ClaimsLine

And understanding the insurance business

I just wanted to share a very weird canvas call I just had from ClaimsLine.

I am not sure who ClaimsLine are or what they do when it comes to helping you deal with your insurance company. It says “They support individuals involved in non-fault accidents, guiding them through the process and ensuring they get the support they deserve”

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I called them recently after having a terrible experience with my insurance company Aviva over a no fault claim last year to see if allowing them to handle a new claim would mean I would potentially come off better when it comes to placing blame as it seems this is the only factor that matters when it comes to protecting your hard earned no claims discount.

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I spoke to someone called Beth when I made the original call but based on my needs, I thought she wasn’t really listening, just kept trying to get me back on her script, to book my car in for a repair and get me a hire car when all I wanted was to get the dashcam footage from the other vehicle to hopefully show the minor accident wasn’t my fault.

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I couldn’t make sense of the service Claimline offer so I put the phone down and called my insurer to report the accident, something I later discovered I was required to do by law anyway. My insurer again placed the fault with me and told me they would be accepting responsibility for the claim, the liability was what I wanted to question. I am still fighting this assumption with my insurance company. So much for your insurance company fighting for you. Apparently they go by something called “the rules of road” whatever that is:

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Today, 10 days later I received a call from Claimline saying because of the accident they could make a personal injury claim on my behalf.

The agent was very strange how he worded his proposition. He said something like you don’t need to have required medical attention, I was eligible to make a claim. He said he was calling to see how I was. All I had to say was I had felt a twinge.

I told him it sounded like he was coaching me to lie to get money. I said it sounded like they were trying to rip off someone’s insurance policy by getting me to say something untrue. I really felt he was cleverly trying to appeal to someone’s dark nature, manipulating a system when no real injury has occurred and it got me thinking how many people are doing this and how much it is costing us all as a collective.

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He said he was just telling me what I was entitled to. I was entitled to make a claim for personal injury (even if I didn’t need any help for that injury) —— did he mean a fake injury?

It all sounded very dubious. Is this what insurance has come down to. Is this the reason everyone is immediately losing no claims discounts and unable to get cars repaired because of fault claims being logged that aren’t your fault.

I don’t know if ClaimsLine are a good company or a bad one. This is my only experience. One call to them and one call back to me. All I can say is the first call didn’t work out because I couldn’t work out how they might benefit me and the second call sounded positively dubious.

I could be wrong and just got completely the wrong end of the stick.

Someone please explain.