I tried to contact it over a claim for four months, and then received a default notice for £11,000

I had a collision last year and admitted fault. My car was written off and my insurer, esure, promptly paid up. Four months later, I received a letter from a solicitor acting for the other driver’s insurer threatening legal action unless I paid them £10,000 within seven days. I was told that esure had failed to settle the claim. I tried to contact esure, but my calls remained on hold and emails went unanswered. Then, after a further four months, I received a “judgment in default” notice for nearly £11,000.

It turned out notifications of legal action had been sent to the wrong address and, as a result, I had been issued with a county court judgment (CCJ). This caused extreme anxiety, worsened by the fact that esure couldn’t have cared less. Still they did not answer my calls or emails.