A Personable Company - Keeping You on Course Show NORTH STAR MUTUAL’S COVID-19 VIRUS RESPONSE INFORMATION Welcome to North Star Mutual InsuranceSince the 1920s, North Star Mutual has provided property and casualty insurance to protect families and small business owners from financial disaster. We’re a Midwest mutual insurance company that specializes in farm, home, auto, and small business insurance sold exclusively through local, independent insurance agents. Although we’ve grown substantially over the years, our company holds firmly to rural values and is committed to serving our policyholders, agents, employees, and community with pride. Find an Agent Near YouCity Zipcode Current Location Find Agents North Star Mutual Insurance Company Powered by 530Media an agriculture agency. I had a motor accident and was given a courtesy car by the other driver's insurance company. I was then involved in an accident in the courtesy car. Enterprise, which provided the car, had said that I was on its insurance. But when I reported the incident it said this covered only damage to its vehicles and my own insurer, Equity Red Star, would meet the third party's claim for £2,400. When I told Equity Red Star it agreed to pay. I sent off the paperwork and thought it was dealing with it. A year later, I received a phone call telling me that I was not insured to drive the courtesy car as it was a hire car that my policy doesn't cover. Equity Red Star said I hadn't mentioned the courtesy car but I had mentioned it on the phone. It denies having this conversation and says I should have requested a separate insurance certificate for the courtesy car. I am also perplexed as to why it took over a year to decide this. I have now been issued with a CCJ to pay the third party as neither Enterprise nor Equity Red Star have insured me. TC, Poole, Dorset Equity Red Star says these are not courtesy cars but loan cars because they are lent to you while your own car is being repaired, although the terms depend on which level of insurance you chose. That nicety is academic, though, because it was not Equity Red Star that provided the car but the other side's insurer after your first accident. If it had come under your own policy, you almost certainly would have been insured. Equity Red Star admits this is a complicated claim involving several different insurance companies and accepts responsibility for some of the delays, although it insists it is still waiting for you to return a claim form. But it has looked at your claim again and decided to pay, even though it is not liable. It has sent £2,438 to the other driver's solicitor, which will also resolve your CCJ. You can email Margaret Dibben at or write to Margaret Dibben, Your Problems, The Observer, Kings Place, 90 York Way, London N1 9GU and include a telephone number. Do not enclose SAEs or original documents. The newspaper accepts no legal responsibility for advice. Equity Red Star, claims to be the largest personal lines syndicate at Lloyd�s, and the UK�s 5th largest motor insurer. They have been providing insurance to business and personal lines customers for the past 60 years. HistoryEquity Motor Policies began life as a Lloyd�s syndicate in 1946. Over the years, the business evolved into Equity Red Star, becoming one of the top five motor insurers in the UK, and the largest personal lines syndicate at Lloyd�s. Key facts
Equity Red Star underwriting teams (for brokers only)Brentwood (Registered Office and Head Office) Library House Registered in England & Wales No.2950905 Colchester (Account settlements) Equity House Swansea (Claims) Cardigan House Brokers can contact our private car team on 0845 6025801. Call charged at a local rate. MotorcycleTel 0845 602 5803 Personal accidentTel 0845 603 1582 Private carTel 0845 602 5801 Small CVTel 0845 602 5803 Specialist & Classic carTel 0845 600 3890
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