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Car Insurance Voided - FSA Agree
Options
To cut a long story short my car insurance voided my my claim (my car door spontaneously set on fire) and my whole insurance on the basis that I didn't declare the alloys on the car ( which is fair enough - not being aware isn't an excuse for not declaring I guess). The FSA after months of me waiting with my car growing roots in my drive had decided to agree with them.
Now the way forward is
a. Give up and sell the car for scrap.
b. Take the complaint to the insurance rather the the broker which will take another round of waiting around for complaints and would be based on a phone conversation which may never be located. or
c. Ask for a review from the FSA
Im thinking option C would be my best bet, on the basis that although I didn't declare the broker hasn't show anything to say that they wouldn't have insured me if they were aware of the alloys for a higher premium , in addition the basis of the claim is in no way affected by the wheels on the car - It set on fire ! I know people who work in car insurance companies and I know that my insurance is just being very finicky about this.
So I was just wondering what you guys would do about this. I'm not sure if I'm just wasting my time on this - maybe I don't really have any reason to claim - I didn't declare the mods and therefore my insurance is void. But surely is there like a 'fair treatment' kind of clause involved in this too?
Thanks in advance for any insights
Now the way forward is
a. Give up and sell the car for scrap.
b. Take the complaint to the insurance rather the the broker which will take another round of waiting around for complaints and would be based on a phone conversation which may never be located. or
c. Ask for a review from the FSA
Im thinking option C would be my best bet, on the basis that although I didn't declare the broker hasn't show anything to say that they wouldn't have insured me if they were aware of the alloys for a higher premium , in addition the basis of the claim is in no way affected by the wheels on the car - It set on fire ! I know people who work in car insurance companies and I know that my insurance is just being very finicky about this.
So I was just wondering what you guys would do about this. I'm not sure if I'm just wasting my time on this - maybe I don't really have any reason to claim - I didn't declare the mods and therefore my insurance is void. But surely is there like a 'fair treatment' kind of clause involved in this too?
Thanks in advance for any insights
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Comments
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never seen a door catch fire
you would need to give more facts like
m3 mirrors with dodgy wiring for indicators
large speakers with wiring not running in the door loom
remote alarm with wirestaoped together etc
sorry did you mention wheels not advised to insurer so voiding policy?
yes i think you did
even i with an open policy isnt allowed to drive a car with phwatt wheels anymore
suggest move on mate
you wont beat the suits0 -
Get used to using the bus!
You're going to find getting insurance on any vehicle difficult now that you've had insurance cancelled, and even if a company does offer cover, they will be extremely expensive.
Why are you thinking of going to the FSA when you say the FSA has already agreed with the insurer about cancelling the insurance?
(The broker doesn't cancel insurance - he only flogs it; the company would be the one that would void the cover)"Now to trolling as a concept. .... Personally, I've always found it a little sad that people choose to spend such a large proportion of their lives in this way but they do, and we have to deal with it." - MSE Forum Manager 6th July 20100 -
It's a damn shame but Insewerants companies will always try to squeeze out of paying up, undeclared modifications is an easy one for them.
Are they optional extra alloys or are they aftermarket alloys? The only way you might possibly be able to argue your case is if they are the former.
'Tis why I declare every little thing on my cars that isn't standard, the MR2 extends to 2 sides of A4. :rotfl:0 -
'Tis why I declare every little thing on my cars that isn't standard, the MR2 extends to 2 sides of A4. :rotfl:
With your MR2 I would of thought 4 sides of A4 would be needed !!! LOL :rotfl:"Dream World" by The B Sharps....describes a lot of the posts in the Loans and Mortgage sections !!!0 -
When you say FSA, do you actually mean FOS (Financial Ombudsman Service), as the FSA do not investigate customer complaints.
If you believe you have a valid complaint, you should take this up with the insurance company. If you cannot resolve the complaint with them, they should send you a leaflet explaining how to contact FOS.
Sorry if you've already been to FOS but I have in the past seen complaints not being resolved simply because the complainant has, for whatever reason, complained to the wrong people.0 -
How did the door catch fire? Inside/Outside, Arson?
Due to other Mods?Censorship Reigns Supreme in Troll City...0 -
Might be worth posting on the MSE Insurance part of the forum for more informed advice regarding insurers and what they can & can't get away with. Post there but you need to answer the above questions regarding the fire0
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To cut a long story short my car insurance voided my my claim (my car door spontaneously set on fire) and my whole insurance on the basis that I didn't declare the alloys on the car ( which is fair enough - not being aware isn't an excuse for not declaring I guess). The FSA after months of me waiting with my car growing roots in my drive had decided to agree with them.
Do you mean the FOS rather than the FSA?b. Take the complaint to the insurance rather the the broker which will take another round of waiting around for complaints and would be based on a phone conversation which may never be located. or
It would generally be the insurer who has taken the decision to avoid the policy, not the broker; as such surely your original complaint was addressed to the insurer rather than the broker?c. Ask for a review from the FSA
The FSA won't review an individual case.Im thinking option C would be my best bet, on the basis that although I didn't declare the broker hasn't show anything to say that they wouldn't have insured me if they were aware of the alloys for a higher premium
The broker doesn't have to show anything in this regard as the broker is not insuring you - the insurance company is! It may be the case that another insurer on the broker's panel would have accepted the risk had they known about the modification, but that is irrelevant to your predicament - if the insurer who you were placed with would not have offered cover had they known the true facts then all but innocent non-disclosure will result in a void policy., in addition the basis of the claim is in no way affected by the wheels on the car - It set on fire !
The situation is a not a breach of warranty/condition (it is a breach of utmost good faith), so the fact that there is no causal link between the non-disclosure and the loss is totally irrelevant.0 -
Might be worth posting on the MSE Insurance part of the forum for more informed advice regarding insurers and what they can & can't get away with. Post there but you need to answer the above questions regarding the fire
I'd say that actually the circumstances of the fire are not relevant as the claim is not being repudiated on the grounds of breach of warranty or condition.
What is far more relevant:
(i) The questions asked at quotation/inception re: optional extras/modifications.
(ii) The wording of the relevant part of the Statement of Fact/Proposal Form.
(iii) The OP's explanation of the non-disclosure.0 -
Indeed. OP lied on their insurance application, insurers told them to sod off. One could go as far as to say that technically the OP committed fraud.0
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