Car Insurance wont pay out!!

charlea

HI
A few years ago my husbands car was written off, it was his car registered in his name and so was the finance for it
but i was the one who insured the car and main driver he was named driver (im not sure if this is the same for you or not) but they Priveledge paid out ( settled the finance and gave us the difference O

nathchapman9 wrote: »

Hi, i have a car insurance policy on my girlfriends car with me as the main driver/policy holder and my girlfriend as the second driver (as she is still learning to drive). i had a crash in december and wrote the car off, now the insurance company are debating on whether to pay us out as they say i can not insure a car that doesn't belong to me. i did state when i took the insurance out that the car owner was my common law/civil partner and they were quite happy to take my money, but now i need them to do their bit they dont want to and say they might just give me my installments back as they shouldn't have insured me in the first place. they have sent it to the underwriters to see what they say. if they decide not to pay us out do we have a case to take them to court?? Please could you help? Regards Nathan

dacouch

1st Central have a very poor reputation, there are currently three different threads on the MSE insurance forum about them with many many many people complianing about their customer service and particuarly their claims service.

An easy way is to prove they accept new customers on the same basis, try running quotes through on their website or ringing them (Funnily enough they answer the quote telephone number promptly!)

motorguy

nathchapman9 wrote: »

Hi, i have a car insurance policy on my girlfriends car with me as the main driver/policy holder and my girlfriend as the second driver (as she is still learning to drive). i had a crash in december and wrote the car off, now the insurance company are debating on whether to pay us out as they say i can not insure a car that doesn't belong to me. i did state when i took the insurance out that the car owner was my common law/civil partner and they were quite happy to take my money, but now i need them to do their bit they dont want to and say they might just give me my installments back as they shouldn't have insured me in the first place. they have sent it to the underwriters to see what they say. if they decide not to pay us out do we have a case to take them to court?? Please could you help? Regards Nathan

I suspect the insurance company see this as a form of fronting, ie, having the car insured in an older more experienced persons name to reduce to the premium. Typically this would be done perhaps by teenagers getting their cars insured in their mums name.

I think thats their problem. If you have finance on the car and its in her name, and its registered in her name, and she owns the car, then she should be the primary driver, thus the policyholder.

Insurance companies always take the premiums and ask questions later. Many people have unfortunately fallen foul to this.