Insurance issues

Cheesehead

Member
Livestock Farmer
Location
Kent
I was wondering if anyone has experienced similar issues both with their own or with the NFU Mutual as well.

Last year nearly a week after the alleged accident we have received a phone call from the NFU to tell us that someone had reported we had hit them we asked for details as to where this had happened as we had no knowledge of it. We were told they didn't not have any details that day we took photos of the trailer and tractor which had been the only ones to go out on a journey which was the only one made that week in a tractor and trailer on which there was no damaged, scratches or paint marks.

After not hearing more we rang the NFU to see what was going on and were told not to worry it was likely mistaken identity, we had no assessors come out to measure the trailer or tractor or to check them over (this again was before Covid).

Nearly 10 months later we had a phone call from the NFU asking if it was ok if they settled the claim where they tried to push my dad into agreeing by saying that as they say they have a witness that a judge would automatically say it was our fault. We had still had no details of it or where it was supposed to have happened so we refused until we had details and could make an informed decision. We were told that they would send us details but if we could let them know within two weeks, we finally managed to get some details a week later after several calls and an email.

We were sent a copy of a photo of the tractor and trailer parked up in a layby that I usually stop in on my way back as it is the only place big enough to pull into that any lorries or vans can get by. We were then sent 3 photos of the car with dents at different heights and damage on the rear bumper with no green paint for the trailer in it or their blackish paint on our trailer. We were also sent a copy of the witness statement which we showed to a number of local professionals who have dealt regularly with the courts through there career who just laughed when we told them that the NFU said that the judge would immediately find in there favour with that statement and in not so many words said that was utter rubbish.

We still have no idea where exactly the accident is supposed to have happened and only just found out the driver's name in passing from them when we gave our statement. But we have been told just now that they still may just go ahead and settle on our behalf though we don't agree leaving us feeling as though they messed up and didn't do their job properly and we are being forced to pay for their cockup.

Below is the witnesses sketch that is supposed to show the exact location, direction of travel, where the contact was made. If you go by that it looks as though they hit me in a field away from the road.

Having had excellent service from the NFU Mutual over the years we just feel incredibly let down, where were used to deal purely with the local office in Ashford we are now told that it is dealt with at Tenterden who tell us it is now all handled by head office they deal with filling out the details for new policies, we are then shunted between Bristol, Wolverhampton and Stratford upon Avon. We have lodged an official complaint were basically told they'll look into it but these things happen and tough luck.
 

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YELROM

Member
Location
North Yorkshire
They have told us that's not our decision it is theirs (NFU Mutual)
We had a similar thing happen a few years ago when a taxi hit our trailer while we were leading silage
My driver told me he pulled in to let the taxi past, the taxi folded in its mirrors and went past but as he did he caught the back door of the trailer and broke his rear window and damaged the rear pillar on the taxi but just carried on and didn't stop
A few days later i got a letter from the taxi owner wanting our insurance details which i refused as it was not our fault
I then spoke to the NFU and they basically said they would pay out as it was not worth them fighting the claim
The taxi owner continued to presue us for the damage and in the end we ended up in the small claims court and we won, so i would recommend that if it was not your fault to go to the small claims court, why should it affect your insurance premium if it was not your fault
 

Cheesehead

Member
Livestock Farmer
Location
Kent
The only problem is they won't give us the other party's details even though they would be exchanged at the scene of an accident
 

Alwaysinit

Member
Arable Farmer
Would letting that go ahead and ultimately admitting responsibility not leave you/NFU open to further claims of whiplash, loss of earnings etc etc?
No way would I let that go through if I could help it.
Couple of yrs ago I was carting rubble when a car followed me to field and said stones fell off the trailer and damaged his car. I got on top of trailer and there was a clear gap the whole way around the sides, no way could anything have rolled off.
I let me insurance deal with him but made it clear to them that he was chancing his arm, they asked him to get a quote for repairs which he did, the quote was for about twice the value of his car. My Insurance told him to run and jump he was getting nothing.
I found out later that he does this type of thing quite often.
 
Surely it’s a matter of principle, if you haven’t been involved in an accident why should you admit liability.

About 5 years ago mother got a call from the police asking her to go in and give a statement as she’d been seen in the car park hitting another car and driving off, she was quite upset by it all as she had no knowledge of these allegations.
There followed quite a discussion around the kitchen table along with a thorough inspection of the car but not even a scratch could be found.
Mother attended her interview at the police station where they seemed quite insistent that she had hit another car and wanted what amounted to a confession of guilt, and knowing mother and I was worried she would agree to whatever they put to her if she felt intimidated but she stuck to her guns that she hadn’t hit anyone and there was no damage to her car.
After the interview was over the police officer admitted that they didn’t have a witness that had seen her hit another car, just that her number plate had been given in and that it was most likely a scam.
Didn’t sound like that before hand though, they had been quite intimidating yet hadn’t bothered to come out and look at her car.

Basically if you haven’t done anything wrong don’t admit liability, no matter how much they try to pressurise you to do so, why the heck should you.
 
Surely it’s a matter of principle, if you haven’t been involved in an accident why should you admit liability.

About 5 years ago mother got a call from the police asking her to go in and give a statement as she’d been seen in the car park hitting another car and driving off, she was quite upset by it all as she had no knowledge of these allegations.
There followed quite a discussion around the kitchen table along with a thorough inspection of the car but not even a scratch could be found.
Mother attended her interview at the police station where they seemed quite insistent that she had hit another car and wanted what amounted to a confession of guilt, and knowing mother and I was worried she would agree to whatever they put to her if she felt intimidated but she stuck to her guns that she hadn’t hit anyone and there was no damage to her car.
After the interview was over the police officer admitted that they didn’t have a witness that had seen her hit another car, just that her number plate had been given in and that it was most likely a scam.
Didn’t sound like that before hand though, they had been quite intimidating yet hadn’t bothered to come out and look at her car.

Basically if you haven’t done anything wrong don’t admit liability, no matter how much they try to pressurise you to do so, why the heck should you.

Never admit anything, ever.

This is how ner do wells and do as you likeys get away with it.

I wasn't there, wasn't me, never been there before, never been in a transit van, don't know what one of those is.

Then it becomes a mission to build any sort of case.

This is why law abiding people such as farmers get prosecuted for having an argument with a dog walker, because they're open and up front with the details = easy case through the courts, PC babyface's prosecution stats look good.
 
Never admit anything, ever.

This is how ner do wells and do as you likeys get away with it.

I wasn't there, wasn't me, never been there before, never been in a transit van, don't know what one of those is.

Then it becomes a mission to build any sort of case.

This is why law abiding people such as farmers get prosecuted for having an argument with a dog walker, because they're open and up front with the details = easy case through the courts, PC babyface's prosecution stats look good.
That’s sad ......,..,.,but true.☹️
 
If you are not informed of an accident at the time and place it happened by the other party involved, then it sounds very dubious in my view. Different if there was dashcam footage of it mind.

A week after the alleged incident? Insurance scam written all over it this. The NFU are behaving very poorly in my view. IF the other party had an accident with you and then drove off then surely they have broken the law for failing to stop? Likewise, if there was an accident, and you have left the scene you'd think the police would be after you for it?
 

Farmer_Joe

Member
Livestock Farmer
Location
The North
lazy useless nfu offices,

that drawing is the biggest pile of w4nk ive ever seen,

why the f**k they cant work out thats clearly bull5hit

Tell them straight it a load of rubbish and you will under no circumstances will you admit any liability.
 
What I can't get my ahead around is: someone is claiming you caused damage to their vehicle. They don't actually inform you of this fact at the scene, they don't inform the police that a driver has made off without stopping and then they decide to claim the above a week after the accident?

It smells of BS and that the NFU were going to roll over on this makes me loathe to ever consider using them for insuring anything.
 
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Mc115reed

Member
Livestock Farmer
What I can't get my ahead around is: someone is claiming you caused damage to their vehicle. They don't actually inform you of this farm at the scene, they don't inform the police that a driver has made off without stopping and then they decide to claim the above a week after the accident?

It smells of BS and that the NFU were going to roll over on this makes me loathe to ever consider using them for insuring anything.

I also don’t understand how they did none of the above and managed too find out there insurance details? [emoji15]
 

dragonfly

Member
Arable Farmer
Location
Lincolnshire
We had a different insurance claim fiasco, but a lot of the problem was the same.
In the past, any of our NFU Mutual claims were dealt with by our local branch agent/secretary.
In our last claim incident (which they did not pay out), it was dealt with by a remote claims office!
The personal touch, which was the NFU Mutual's main plus point, has gone!
So, we have now changed insurers.
 

xmilkr

Member
l had the misfortune to be insured with the NFU MUTUAL too for over forty years until l needed them, then you find out what a lying, scheming bunch of xxxxx! they are, has anybody used the Financial ombudsman to fight these scumbags if so how did it work out?
 

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