Car insurance voided from inception-Help and advice needed
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Brummygold
Posts: 52 Forumite
I have had my recent car insurance voided from inception by Direct Line and I am not happy with this as I have been given incorrect information by my previous insurers which has contributed to this happening. Here is a background to what has happened.
I purchased car insurance from Octagon insurance on 12/11/2012 and at that time had 5 years NCB not protected. During this policy I had a fault accident on 31/10/2013 which I notified them of and had no further communication on the matter. I requested proof of my no claims some time after the policy had ended as my car was off the road at the time and I wanted to re insure the car. The document they sent me stated I had 6 years NCB not protected so it looked like no claim had been made as my NCB was not reduced.
On the 4/6/14 I purchased insurance through the broker Sure Thing, the insurer was Highway. I had a fault accident on the 23/6/14 which I notified them of and had no further communication regarding this.
I had my renewal come through from Sure Thing for the 4/6/15 and my NCB not protected had now increased to 7 years so I decided to renew. The following 12 months were incident free and I received my renewal for 4/6/16 and it stated I now had 8 years NCB, my renewal price from Sure Thing had increased so I decided to get some quotes online.
After going on a few comparison sites and the Direct Line site I decided to purchase a policy from Direct Line starting on 4/6/16. On the application I put in the 8 years NCB and the at fault accidents/no claims made. As my NCB was not affected surely this means there could not of been any claims was what I thought.
On the 12/08/2016 I received a letter from Direct Line asking me to contact them due to discrepancies in the information I have provided to what they have obtained. So I phoned the policy validation number and the man basically said there were claims for both incidents. He then accused me of knowing about this as I had done some quotes on comparison sites with a claim made which they had track of. I did do various quotes but this was purely out of curiosity to see what the price would have been if claims had of been made. I can see how this looks and they have now used this against me.
On the 22/08/16 I had a text message from Direct Line saying that my car insurance with them is now declared void from inception.
So Octagon and Sure thing have provided me with incorrect information and Direct Line have now voided my insurance as they think it was done deliberately. I still have the paperwork from Octagon and Sure Thing to show my NCB increasing from 6 years to 8 years with it not being reduced which is what would of usually happened if a claim was made and successful.
As it stands I now have a void policy and I am unsure what the status of my NCB paperwork is now.
If I had been given the correct information from my previous insurers then this would not have happened.
This seems very unfair and unreasonable to me and I need some help and advice on where to go from here.
I purchased car insurance from Octagon insurance on 12/11/2012 and at that time had 5 years NCB not protected. During this policy I had a fault accident on 31/10/2013 which I notified them of and had no further communication on the matter. I requested proof of my no claims some time after the policy had ended as my car was off the road at the time and I wanted to re insure the car. The document they sent me stated I had 6 years NCB not protected so it looked like no claim had been made as my NCB was not reduced.
On the 4/6/14 I purchased insurance through the broker Sure Thing, the insurer was Highway. I had a fault accident on the 23/6/14 which I notified them of and had no further communication regarding this.
I had my renewal come through from Sure Thing for the 4/6/15 and my NCB not protected had now increased to 7 years so I decided to renew. The following 12 months were incident free and I received my renewal for 4/6/16 and it stated I now had 8 years NCB, my renewal price from Sure Thing had increased so I decided to get some quotes online.
After going on a few comparison sites and the Direct Line site I decided to purchase a policy from Direct Line starting on 4/6/16. On the application I put in the 8 years NCB and the at fault accidents/no claims made. As my NCB was not affected surely this means there could not of been any claims was what I thought.
On the 12/08/2016 I received a letter from Direct Line asking me to contact them due to discrepancies in the information I have provided to what they have obtained. So I phoned the policy validation number and the man basically said there were claims for both incidents. He then accused me of knowing about this as I had done some quotes on comparison sites with a claim made which they had track of. I did do various quotes but this was purely out of curiosity to see what the price would have been if claims had of been made. I can see how this looks and they have now used this against me.
On the 22/08/16 I had a text message from Direct Line saying that my car insurance with them is now declared void from inception.
So Octagon and Sure thing have provided me with incorrect information and Direct Line have now voided my insurance as they think it was done deliberately. I still have the paperwork from Octagon and Sure Thing to show my NCB increasing from 6 years to 8 years with it not being reduced which is what would of usually happened if a claim was made and successful.
As it stands I now have a void policy and I am unsure what the status of my NCB paperwork is now.
If I had been given the correct information from my previous insurers then this would not have happened.
This seems very unfair and unreasonable to me and I need some help and advice on where to go from here.
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Comments
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Did you declare your two accidents to Direct Line when you took out the insurance?
If you have an accident even if you don't make a claim and no money is paid out you still have to declare these to your insurance company for 5 years.
If you did not declare these accidents at all then you are at fault. So you can't blame the previous insurers when you obviously know you had two accident's.0 -
Have they sent written notice by post canceling the insurance ?
If not start the official complaints and request a deadlock letter if they refuse to uphold the complaint.
As for the incidents it asks you very clearly if you have been involved in any collisions fault or not at fault in the last so many yearsI do Contracts, all day every day.0 -
Brummygold wrote: »He then accused me of knowing about this as I had done some quotes on comparison sites with a claim made which they had track of.
Can this be true? Direct Line make a big thing of not being on comparison sites, do they still get a feed of data from the sites?0 -
Did you declare your two accidents to Direct Line when you took out the insurance?
If you have an accident even if you don't make a claim and no money is paid out you still have to declare these to your insurance company for 5 years.
If you did not declare these accidents at all then you are at fault. So you can't blame the previous insurers when you obviously know you had two accident's.
Yes I did declare both accidents as at fault but put no claim made as I had not lost any of my NCB according to the paperwork from previous insurers.0 -
Marktheshark wrote: »Have they sent written notice by post canceling the insurance ?
If not start the official complaints and request a deadlock letter if they refuse to uphold the complaint.
As for the incidents it asks you very clearly if you have been involved in any collisions fault or not at fault in the last so many years
No I have not had a letter by post as yet but the text message i received did say a letter will be in the post shortly.0 -
Voiding Motor Insurance policies from inception is a pretty rare thing for Insurers to do. They don't normally do it, because Insurance of a vehicle to be used on the road is a legal requirement.
You need to establish exactly what you declared to Direct Line. If you deliberately did not declare 2 fault accident claims and you tried to take advantage of a no claims discount mistake by previous Insurers, then i can understand Direct Lines decision.The comments I post are personal opinion. Always refer to official information sources before relying on internet forums. If you have a problem with any organisation, enter into their official complaints process at the earliest opportunity, as sometimes complaints have to be started within a certain time frame.0 -
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Brummygold wrote: »Yes I did declare both accidents as at fault but put no claim made as I had not lost any of my NCB according to the paperwork from previous insurers.
Why would you think that ? If your previous Insurers paid out after you made claims, then you had made claims.
Remember that Insurers have access to CUE ( claims underwriting exchange), so they can check after you took out a policy, whether you had declared claim accurately or not.The comments I post are personal opinion. Always refer to official information sources before relying on internet forums. If you have a problem with any organisation, enter into their official complaints process at the earliest opportunity, as sometimes complaints have to be started within a certain time frame.0 -
It is the new thing voided at inception.
However, without written served notice you have a defence against driving without insurance back up by case law.
They use a database called Midas that tracks all claims and reports of incidents and they track discrepancies on comparison sites who sell them your information and quote records.I do Contracts, all day every day.0 -
Why would you think that ? If your previous Insurers paid out after you made claims, then you had made claims.
Remember that Insurers have access to CUE ( claims underwriting exchange), so they can check after you took out a policy, whether you had declared claim accurately or not.
I did not claim as my policy was third party fire and theft, it must of been the third party that put in the claim but I was not updated on this on either occasion and my NCB was not affected. I do not have access to this database so how could I have known about this.0
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