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  • FIRST POST
    • deepspace
    • By deepspace 13th Jul 17, 10:12 PM
    • 1Posts
    • 0Thanks
    deepspace
    Car insurance rip off
    • #1
    • 13th Jul 17, 10:12 PM
    Car insurance rip off 13th Jul 17 at 10:12 PM
    PLEASE HELP
    My son is being completely ripped off with his car insurance,
    he is 24 and NEVER caused an accident but was in an incident caused by some one else hitting his wing mirror with their caravan. The caravan owner reported the incident to his insurance but never claimed any damages as it was his fault. My son didn't report it and he just replaced the wing mirror.
    firstly, he had two vehicles, one car (3 years no claims) and a van (1 year no claims) it was the vans wing mirror that was damaged.
    He recently sold the van and the car and bought a new car.
    went to insure it and being 24 years old claimed 4 years no claims. when i told him he can not combine the 2 vehicles he immediately phoned the insurance company and told them of his error. All was ok, but then they brought up the ongoing claim outstanding. 4 months and the man has never claimed, clearly he repaired his caravan as a he knew it was his fault as my son was stationary at the time. sadly no photos were taken at the time.
    Now the insurance company are claiming he has undisclosed details on his insurance and now has for THE REST OF HIS LIFE has to admit that he LIED about his NCB and that he was at fault until the open accident case is closed, which could take YEARS.
    This has resulted in his insurance premium DOUBLING and this will carry on for the rest of his life.
    we have tried the insurance ombudsman but they don't seam too have an answer.
    To be honest, i'm 57 and i had absolutely no idea that if you report an accident to your insurance company but Nothing was ever claimed then you are in default if you do not state this on your insurance renewal.
    It absolutely ludicrous for these youngsters as he is a straight and honest young man and this could jeopardize his credit rating and clearly his car insurance.
    PLEASE HELP WE ARE AT OUR WITS END WITH THIS.
Page 1
    • zx81
    • By zx81 13th Jul 17, 10:20 PM
    • 12,516 Posts
    • 12,679 Thanks
    zx81
    • #2
    • 13th Jul 17, 10:20 PM
    • #2
    • 13th Jul 17, 10:20 PM
    Just to confirm - he lied about his NCD and failed to disclose an accident?

    I'm not sure how anyone but your son is at fault here.
    • rudekid48
    • By rudekid48 13th Jul 17, 11:00 PM
    • 1,985 Posts
    • 3,479 Thanks
    rudekid48
    • #3
    • 13th Jul 17, 11:00 PM
    • #3
    • 13th Jul 17, 11:00 PM
    Where's the "rip off"?

    He claimed the wrong NCB and didn't declare an accident...
    All matter is merely energy condensed to a slow vibration, we are all one consciousness experiencing itself subjectively, there is no such thing as death, life is only a dream, and we are the imagination of ourselves.
    • McKneff
    • By McKneff 13th Jul 17, 11:12 PM
    • 35,406 Posts
    • 45,567 Thanks
    McKneff
    • #4
    • 13th Jul 17, 11:12 PM
    • #4
    • 13th Jul 17, 11:12 PM
    No rip off.

    He is supposed to declare any incidents, whether his fault or not.
    He needs to learn to read terms and conditions,
    No one can make you feel inferior without your consent
    • Quentin
    • By Quentin 13th Jul 17, 11:20 PM
    • 32,109 Posts
    • 16,203 Thanks
    Quentin
    • #5
    • 13th Jul 17, 11:20 PM
    • #5
    • 13th Jul 17, 11:20 PM
    Whoever told him this must be disclosed for the rest of his life has misled him

    Unless they cancelled the policy (cancellations by an Insurer are on your record for ever) then he only must disclose the incident for up to the next 5 years (depends on the length of history asked for)

    You misunderstand credit rating - any problem like this won't go on his credit record. His insurance won't be doubling for the rest of his life over this incident.
    Last edited by Quentin; 13-07-2017 at 11:26 PM.
    • dacouch
    • By dacouch 13th Jul 17, 11:20 PM
    • 20,163 Posts
    • 12,437 Thanks
    dacouch
    • #6
    • 13th Jul 17, 11:20 PM
    • #6
    • 13th Jul 17, 11:20 PM
    Did the Insurers actually cancel the policy?
    • csgohan4
    • By csgohan4 14th Jul 17, 7:42 AM
    • 3,567 Posts
    • 2,239 Thanks
    csgohan4
    • #7
    • 14th Jul 17, 7:42 AM
    • #7
    • 14th Jul 17, 7:42 AM
    your son has to take responsibility and actually read his own T+C, he must declare any accident.
    "It is prudent when shopping for something important, not to limit yourself to Pound land"
    • DCFC79
    • By DCFC79 14th Jul 17, 8:26 AM
    • 29,555 Posts
    • 18,677 Thanks
    DCFC79
    • #8
    • 14th Jul 17, 8:26 AM
    • #8
    • 14th Jul 17, 8:26 AM
    PLEASE HELP
    My son is being completely ripped off with his car insurance,
    he is 24 and NEVER caused an accident but was in an incident caused by some one else hitting his wing mirror with their caravan. The caravan owner reported the incident to his insurance but never claimed any damages as it was his fault. My son didn't report it and he just replaced the wing mirror.
    firstly, he had two vehicles, one car (3 years no claims) and a van (1 year no claims) it was the vans wing mirror that was damaged.
    He recently sold the van and the car and bought a new car.
    went to insure it and being 24 years old claimed 4 years no claims. when i told him he can not combine the 2 vehicles he immediately phoned the insurance company and told them of his error. All was ok, but then they brought up the ongoing claim outstanding. 4 months and the man has never claimed, clearly he repaired his caravan as a he knew it was his fault as my son was stationary at the time. sadly no photos were taken at the time.
    Now the insurance company are claiming he has undisclosed details on his insurance and now has for THE REST OF HIS LIFE has to admit that he LIED about his NCB and that he was at fault until the open accident case is closed, which could take YEARS.
    This has resulted in his insurance premium DOUBLING and this will carry on for the rest of his life.
    we have tried the insurance ombudsman but they don't seam too have an answer.
    To be honest, i'm 57 and i had absolutely no idea that if you report an accident to your insurance company but Nothing was ever claimed then you are in default if you do not state this on your insurance renewal.
    It absolutely ludicrous for these youngsters as he is a straight and honest young man and this could jeopardize his credit rating and clearly his car insurance.
    PLEASE HELP WE ARE AT OUR WITS END WITH THIS.
    Originally posted by deepspace
    OP can I ask who or where you got some of this misinformation from ?

    For examlle his credit rating wont be affected.

    Yes he lied, maybe not intentional but he still lied.
    Je Suis Charlie
    • stugib
    • By stugib 14th Jul 17, 12:36 PM
    • 2,406 Posts
    • 3,240 Thanks
    stugib
    • #9
    • 14th Jul 17, 12:36 PM
    • #9
    • 14th Jul 17, 12:36 PM
    Yes he lied, maybe not intentional but he still lied.
    Originally posted by DCFC79
    An unintentional lie? An oxymoron surely?

    To lie there has to be some intent to deceive or be deliberate telling of an untruth.
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