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Kernowdreamer
It definitely appears to be a strategy.
Actually, I’ll extend and say I hate insurance companies in general - it’s just taken us 9 months and multiple follow ups to get payout from an RTA where someone drove into the side of us, wrecking both cars. Despite the driver admitting responsibility at the time, eye witnesses who saw what happened and a police letter to say the other driver was at fault and would be prosecuted, the insurance company resisted paying out.
Finally got it sorted by saying I wished to make a formal complaint to be told by the very patronising chap I spoke to said “well, you can of course do that but it’ll make no difference” - my sighing and saying “for goodness sake, this is like something from Kafka” lead to “you are being very aggressive sir and we won’t tolerate that sort of language”. I suggested that, as they were recording the call for monitoring and recording purposes they may wish to review and hung up. Got a call back the same day, they’d ‘found’ the police letter we’d sent in4 months earlier, could understand our frustration and the money was in our account within days.
TL;DR insurance is a ballache