My locked car was stolen from my driveway after thieves disassembled the steering wheel shroud, broke the ignition barrel and drove off. When I reported it to my insurer, Halifax, it cancelled my policy, cut my nine-year no-claims bonus (the maximum they allow) to three years and insisted on calling this an “at-fault” incident. I only received £250 for my old car and don’t have the funds to buy another. As Halifax explains: “When an insurer is unable to reclaim their losses, for example from another insurer, it is described as a ‘fault’ claim. It doesn’t necessarily mean the customer was to blame, but that the claim has been paid out from the customer’s insurance.

Source: The Guardian August 01, 2019 06:01 UTC