Yesterday I received a curt email from the claims management company saying that they and the solicitors could not continue with me because my policy was taken out in September of last year
Eh? Please explain that to me.
Me too. I think to be fair to Adrian Flux you need to clarify the situation, as they cannot do so themselves on individual cases on an open Forum .
I am not an insurance expert. I've never even made a claim. But the following thoughts may be relevant.
If your main policy is less than a year old I'd expect it to be valid for the crash. But did you have the optional legal cover? Its not automatically part of comprehensive cover. Some companies include it automatically within their premium ,but others have it as an option at extra cost.
The risks of this ,and some other extras such as windscreen cover, breakdown insurance etc is often insured ,not by the main policy insurer, but by separate small specialists underwriters who would bear the cost of legal advice etc.Each gets a portion of your premium to cover their risk. Thus it may be possible that although the claim goes forward with a valid comprehensive policy it may not be immediately obvious that these 'extras' are not actually covered on your case until further into the claims process . And of course you cant add them after the crash has already happened. Maybe someone has been remiss in not spotting it earlier, or by their curt response, but even if it had been spotted earlier, you still wouldnt have been covered. Sorry, that horse has already bolted.
The normal claims process may meet all your needs. I hope all goes well. But If you need additional legal advice regarding adequate personal injuries compensations etc you might find one of the 'no win no fee' personal injury lawyers could help, but they will take a proportion of the settlement.