Going court need help

dacouch

How long have you owned the car ?

When did the purchase of the car happen in relation to the Quinn policy being taken out ?

Did you family member (Is it your father by any chance) send off their part of the log book to the DVLA.

Have Quinn cancelled the policy from the start date and if so have they advised whether they are refunding the premium ?

poor_student1234

I bought the car about 1 month before the accident, and sold it around 3 months after the accident

I bought the car of my aunty, as the sale was so casual i just took the logbook and forgot all about it.

Also Quinn didnt cancel my policy at all. I cancelled it myself as i couldnt afford to pay any longer. Accident happened in June and i was still paying them till the next January. Also they havent refunded my premium not even a penny.

dacouch

It would have been easier if you had given us the full details originally.

You need to resubmit an official complaint, this time stating that you had bought the car about the same time you took out cover (Assuming this is correct and forgot to register it.

Forward a photocopy of the purchase receipt, it would also be helpful if your aunty had bought another car about the same time as you bought yours to send a photocopy of her current log book which will show the date she bought her current car (This may help lend credence to you buying your car from her).

Did you register the car in your name and if so do you have any evidence of this especially any documents from the dvla relating to you selling it on.

poor_student1234

Sorry mate, i thought the owner stuff had nothing to do with it as its the first time Quinn have ever mentioned it to me.

I bought the car in May
Had accident in June
Sold the car in August as i needed a cheaper runabout
and finally cancelled my policy in January because i couldnt afford the monthlys.

All that time i didnt bother registering the car to myself.

I spoke to Quinn and i told them about this nearer the claim and they never mentioned anything.

All Quinn has ever told me is that the car i was driving didnt have its own policy in force thats why my claim cannot be taken forward.
Is it illegal and does it void your insurance if you dont register the car in your name. My aunty only lives a 2min walk.

forgotmyname

Not surprised they are refusing to payout, The whole thing sounds dodgy from start to finish.

You fathers car which he doesnt use or has insured, Yet you had a hire car. Why would you need a hire
car for a car thats not in use? Works or neighbours had any visits from anyone about your car?

I presume when you started the policy they asked are you the registered keeper and the registered owner which
i presume you said yes to, Some online quotes dont work if you select no to these, Some companies only insure
cars registered in yours or a spouses name or load the policy.

This could be their getout clause.

alastairq

the registered owner

there is no document in law pertaining to 'ownership'.....the V5c only requires the Keeper's details..... actual ownership is difficult to prove positively.

Nearly all insurance proposal forms I've seen in recent years ask if I am the registered keeper......

poor_student1234

Quinn wrote in their letter
'Your claim was declined by Quinn Insurance as the vehicle you insured was not owned by you at policy inception or at the time of the accident'

They for some reason dont believe i didnt own the car i was insured to.


forgotmyname
'You fathers car which he doesnt use or has insured, Yet you had a hire car. Why would you need a hire
car for a car thats not in use? Works or neighbours had any visits from anyone about your car?'

My dad bought the car and he was going to insure it once his other car got sold. Well the accident management company gave me a car, i just didnt refuse it, they said as i was driving it then they would give it to me.

Im not even bothered about getting paid out for my dads car no more as ive paid him of for what damage was caused to his car.
What i am bothered is about me having to pay the 3rd party out of my own pocket for injury, time of work and of course his car.

dacouch made a point about me getting a refund on my premium, which i obviously should have got if my policy is void. I think the only reason Quinn is bringing up about issue about registered keeper is because they had no leg to stand on about me driving another car even though it doesnt have its own cover.

Of course i should have registered the car to myself but i genuinely forgot and didnt think something as big as this was going to happen. I paid my premium to Quinn, surely they should represent me in court.

JQ.

Was your Aunty a named driver on the Quinn policy?

poor_student1234

No, just me for around 2 months, then I added my cousin who is her son.

Wig

Your only hope is as DaCouch implies..... A new official complaint about the withdrawal of cover due to alleged non-ownership of the insured vehicle. You simply state that you were the vehicle owner at the the time of the policy inception, you show them your bill of sale which proves this is/was the case at the date of policy inception.

They may (if they haven't done so already) bring up the issue of the V5 not in your name, to which you reply you forgot to do it and in any case this document does not denote ownership of a vehicle and it is a well known fact that it does not have anything to do with ownership.....and in any case in your opinion would not be a valid reason to withdraw cover, seeing as you can prove in other ways that you did own the vehicle. If they stall again, tell them to refer the matter to the ombudsman.


One thing, just curious, how did you sell the vehicle? Who signed the V5 to notify DVLA of the new keeper?

Also How did you pay your aunt for the car? and how much? There may be some evidence that this took place on hers and your bank acounts.