It is with great sadness that I finally get around to posting this on my blog.
This April just gone I was travelling in France when a woman driving a people carrier pulled out of a side road and turned into me. Fortunately I was driving through a village at the time and going very slowly. However her speed was enough to set the airbags off and she wrecked the front corner of my car. Although the chassis is still intact, the high cost of new panels was enough for the insurance company to declare it a total loss. Injuries were very slight – none in the other car, my passenger had a sore neck for a couple of days and I got burns on my arms from the airbags.
I was insured with Chubb through the Ferrari Owners Club scheme administered by Locktons. I can honestly say I’ve never had so much trouble with a claim and my experience was at complete odds with the sales literature promising top levels of care and swift claim resolutions.
Chubb recovered my car from France – somewhere on the way back the rear end of the car was ripped off as well as the under tray. The car was sent to Maranellos who sent it on to Bodytechnics. After it was declared a total loss, Chubb moved the car into storage. During the transit to storage all the keys and fobs were lost (Bodytechnics had me courier my spares to them).
Chubb then tried to wash their hands of the rear damage and lost keys/fobs. Firstly they tried to say the damage happened in the accident – when I provided photos showing that this wasn’t possible they then tried to wriggle out by saying I had to claim directly off the transport company who did the damage. It took the threat of legal action to galvanise them into settling.
After 12 weeks of messing around I was finally paid out for all the damage and decided to buy the car back as part of the settlement. When the car turned up at my house I noticed that it had significant additional damage from when I last saw it two weeks ago and a number of items were missing from the car (including the expensive Titanium wheel bolts). I sent the car back and had to re-open the claim with Chubb.
After paying an additional sum for this new damage I agreed to settle the claim – the car is now back in my possession and in storage. I am unsure what I’m going to do with the car but my current thinking is to try and buy another 360 and use both cars as the base for another project. What this space….