Chuchill want money three years after offence

shmooveoperator

I had my little VW polo insured with churchill for three years until it got stolen in September 07. i have since bought a new car and insured it with another company. In june this year i recieved a call from churchill asking me about a speeding offense in March 2003. I had totally forgot about it as you do, but churchill didn't seem too pleased, asking me to pay the difference of how much my insuance would of been had they been aware of the 3 points.

Breakdown as follows

Year 05-06 £24.15
Year 06-07 £14.70
Year 07-08 £8.40

Total £47.25

Every week i get a phone call asking me why i still haven't paid. Can anyone help me i feel i shouldn't have to pay, they had no additional costs incured as a result so why should i give them anymore cash? Can someone tell me where i stand on this as i'm running out of excuses as to why i haven't paid yet.

Yours Most Gratefully

James

dunstonh

Can anyone help me i feel i shouldn't have to pay, they had no additional costs incured as a result so why should i give them anymore cash? Can someone tell me where i stand on this as i'm running out of excuses as to why i haven't paid yet.

The legal position is that you have commited fraud. You lied about your convictions on your application and had you declared them then your insurance premium would be higher because of it. You say it doesnt cost them more but they set their risk premium based on your lies. When they found out, they want you to pay the correct amount for the risk premium.

One assumes that they found out following the loss that occured last year.

At the moment, they seem to be following the rules set by the FOS for inadvertent non-disclosure. i.e. claim paid (assuming you did claim) but premiums that should have been collected due to higher risk should be paid.

If you dont pay the insurer has a choice to write off the debt or pass it for debt collection. They could also register the issue meaning you would have to declare it on future (and current) insurance applications which could see other insurers refuse to cover you or increase your premiums.

Not saying any of that will happen but as it stands, Churchill are in the right here and doing things correctly. What they do next is up to them.

TighterThanTwoCoatsOfPain

so you lied (or omitted in error) on the insurance application, and declared 3 times that your circumstances hadnt changed when they had..

You can make it all go away for less than £50 (which you actually owe them - and you're lucky its not more), or you can risk it being logged as incorrectly disclosure.

What would your reaction have been had they not paid out your claim for incorrect disclosure?? WOuld you have been more than happ to stump up the extra 50 quid then?

I reckon you know what the answer is..

Steve1981

I really cant see what the problem is with this, if it was a genuine error as you say you should be more than happy to pay up. If you deliberatly misled (or lied) to them then you should be more than happy to pay up as you are getting off very lightly.

If you were a builder and someone paid you to build a conservatory then when you turned up you found out you had to build a whole house you would want the extra money.

If circumstances are different to those disclosed then prices change.

Phone them up and get your debit card out before they pass it on to debt collection (i think they give you 3 months in most cases)

shelly

shmooveoperator wrote: »

In june this year i recieved a call from churchill asking me about a speeding offense in March 2003. I had totally forgot about it as you do, but churchill didn't seem too pleased, asking me to pay the difference of how much my insuance would of been had they been aware of the 3 points.

How do you forget you have points when you are specifically asked a question along the lines of "Do you or any drivers on the policy have any motoring convictions"

FlameCloud

shelly wrote: »

How do you forget you have points when you are specifically asked a question along the lines of "Do you or any drivers on the policy have any motoring convictions"

When they are lieing usually

I doubt we will ever hear from the OP again.

Steve1981

FlameCloud wrote: »

When they are lieing usually

I doubt we will ever hear from the OP again.

I doubt that Churchill will either:rolleyes:

FlameCloud

Steve1981 wrote: »

I doubt that Churchill will either:rolleyes:

A bank like RBS could invariably choose to make life very difficult for the (ex) policy holder if he doesnt want to pay up, although whether they choose to do it is up to them.

It always amuses me how people lie to insurers and then come on here moaning when they have been caught out.

shmooveoperator

Ok i'm an idiot.

FlameCloud

shmooveoperator wrote: »

Ok i'm an idiot.

Nice to see someone being honest!