Boydinsurance Avis 

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### 🚨 **Review: Marc Ferguson (Claims Manager) - Boyd Insurance**
**★☆☆☆☆ 1 STAR**
**Subject:** FCA-Breaching Intimidation of Crime Victim

> **After a criminal hit-and-run (Police Scotland CRN 6214459) involving Boyd's client:**
>
> **MARC FERGUSON (Claims Manager):**
> 1. **FALSELY ACCUSED ME OF FRAUD**
> - Stated I "exaggerated" despite CCTV showing:
> • Impact rocking a 2-ton crane
> • Driver stopping/inspecting damage before fleeing
> - *Police charged the driver with Failure to Stop/Report (S.170 RTA)*.
>
> 2. **THREATENED ME WITH POLICE ACTION**
> - Claimed I was "wasting police time" - disproven by criminal charges.
> - Warned correspondence would be "founded upon" (veiled legal threat).
>
> 3. **SUPPRESSED CRIMINAL EVIDENCE**
> - Ignored submitted CCTV + police reports.
> - Demanded I "stop contacting their client" to avoid liability.
>
> 4. **VIOLATED FCA RULES**
> - Broke **DISP 1.3.2** (baseless accusations) + **PRIN 2.1.1** (intimidation).
> - Formal FCA misconduct report filed against him personally (SM&CR )
>
> **RESULT:**
> - Aviva terminated Boyd Insurance after evidence review.
> - Ferguson remains an active FCA investigation target.
>
> **WARNING TO CONSUMERS:**
> Ferguson weaponizes brokers' authority to attack victims. Demand all communication in writing.

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I have had good service for serval years yet when I did need to claim from ERS my claims advisor, Laura McIntyre, told me my claim would not be paid. This was despite the fact that it was quite obvious from the wording of the policy that they had no right to refuse my claim. She backed up ERS when they refused my claim. When I went to the ERS complaint service they immediately said they were wrong and they would in fact honour my claim. When I pointed out to Laura that this was what I had been saying all along she did not even reply, let alone apologise. When I decided to go to a diferent broker she did not refund my premium, it took a month to get my money back. I would expect a claims advisor to give good advice and to know more about insurance than me, not less. Following her advice would have cost me thousands of pounds.