Car insurance cancelled following accident

oscarward

is there any way of checking what is held about a person on the CUE database.

I had a claim for a windscreen in 2007 but am hazy about the actual date and my wife had a no fault accident she thinks in nov 2006 but again the actual date is uncertain.

Belinda22

Insurance is set up on something called "upmost good faith" simply then belive you what you have told them and you belive that they deliver what what promissed in their terms and conditions. Unfortuantely for you mistake was made by yourself on application and this is their right to cancel your policy from inception, however they will have to give your full refund. All claims are logged on a data base shared by all insurers and mistakes can happen , this can be easly clarified by simply calling your previous insurer. One call is not an insurance company from what I remember they are just a broker, do you know who actually underwrittes your policy? In todays market all insurance companies avoiding to take on uncessary risk i.e. false info on a form is a risk for them. I appricitate this was a simple mistake but they look at this didferently. Having policy cancelled is not a criminal conviction, but they can put this info on a database to share with other insurers, which then can decline you a quote based on that.
tip- dont' loose sleep over and get yourself new insurance on moday and don't buy insurance via brokers. They seem cheaper but once you read the small print you don't get the same benefits when comes to claming.

dacouch

Belinda22 wrote: »

Insurance is set up on something called "upmost good faith" simply then belive you what you have told them and you belive that they deliver what what promissed in their terms and conditions. Unfortuantely for you mistake was made by yourself on application and this is their right to cancel your policy from inception, however they will have to give your full refund. All claims are logged on a data base shared by all insurers and mistakes can happen , this can be easly clarified by simply calling your previous insurer. One call is not an insurance company from what I remember they are just a broker, do you know who actually underwrittes your policy? In todays market all insurance companies avoiding to take on uncessary risk i.e. false info on a form is a risk for them. I appricitate this was a simple mistake but they look at this didferently. Having policy cancelled is not a criminal conviction, but they can put this info on a database to share with other insurers, which then can decline you a quote based on that.
tip- dont' loose sleep over and get yourself new insurance on moday and don't buy insurance via brokers. They seem cheaper but once you read the small print you don't get the same benefits when comes to claming.

You have over simplified the voidance issue, an Insurer cannot simply void a policy just because a policy holder gave incorrect information. They have to ascertain the motives behind the non disclosure eg innocent or inadvertent etc etc. Assuming it's inadvertent they would have to rewrite the policy on the basis they would have had they been aware of the information.

Brokers policy as a general rule (Excluding the carp companies some brokers insist on using eg mma, chaucer and ers etc) are generally wider cover than direct policies with less small print. Many companies that have direct and broker channels offer wider cover for their broker business for the simple fact that a proper broker will sell on cover, claims as well as price.

vaio

jeffrey61 wrote: »

Thanks for that. So it is possible to get it changed?. Had I known at the time that they had counted it as a claim I would have rung them. At the end of the day there was no claim I was just notifying/asking for advice.

No doubt the insurance insiders will correct if necessary but I’d have thought that CUE would include “claims” and “incidents that might generate a claim”, in line with the questions on a proposal form.

vaio

Belinda22 wrote: »

Insurance is set up on something called "upmost good faith" simply then belive you what you have told them and you belive that they deliver what what promissed in their terms and conditions. Unfortuantely for you mistake was made by yourself on application and this is their right to cancel your policy from inception, however they will have to give your full refund. All claims are logged on a data base shared by all insurers and mistakes can happen , this can be easly clarified by simply calling your previous insurer. One call is not an insurance company from what I remember they are just a broker, do you know who actually underwrittes your policy? In todays market all insurance companies avoiding to take on uncessary risk i.e. false info on a form is a risk for them. I appricitate this was a simple mistake but they look at this didferently. Having policy cancelled is not a criminal conviction, but they can put this info on a database to share with other insurers, which then can decline you a quote based on that.
tip- dont' loose sleep over and get yourself new insurance on moday and don't buy insurance via brokers. They seem cheaper but once you read the small print you don't get the same benefits when comes to claming.

This is the insurance company insider view and might reflect the position in the good old days.

Since then, insurance companies have been taking the pi$$ and not being fair so the FOS now gets involved and the “material facts” is out of the window, all you need to do is answer any questions honestly.

Similarly, the rights of the insurance companies to cancel a policy for non disclosure is limited, full details are on the FOS website or do a search for posts by Dacouch as I seem to remember he posted a good link quite recently.

dacouch

As a previous poster has mentioned you need to get onto the previous Insurer and advise them to close the claim, they will close their file and change it to an incident on CUE (The database the Insurers use). They may ask you to accept responsibility for the costs should the farmer decide to claim for the sheep.

You need to be truthful at all times with One Call, I have tried to run a quote through on their system but it won't allow me for some reason. I was trying to see if they ask a question about have you had any Accidents, Claims, LOSSES or INCIDENTS. The two relevant word have been highlighted. If they ask about Losses and / or Incidents you would have needed to declare the incident (Arguably you would only have to declare it if they asked for incidents). If they did ask then they would have wanted to know about the sheep incident which could cause a problem.

jeffrey61

I have just looked on the statement of insurance that was email to me with the certificate and the heading for that section says details of all accidents, claims or losses in the last 5 years.

So would this mean I will be ok on that point?

vaio

nope, it's what was on the proposal that was important, I'd guess that hitting a sheep counts as an accident in any event.

Having said all that, even if you can't get it sorted out I'd have thought the FOS would consider it as inadvertent so you'll be ok in the end

dacouch

vaio wrote: »

nope, it's what was on the proposal that was important, I'd guess that hitting a sheep counts as an accident in any event.

Having said all that, even if you can't get it sorted out I'd have thought the FOS would consider it as inadvertent so you'll be ok in the end

I agree, hitting the sheep could be classed as an accident, however if it is classed as inadvertent then if the Insurers would not accept a combination of two accidents (Albeit old accidents) then it may give the Insurer the opportunity to void the policy.

The op needs to be truthful with One Call and see how it plays, I would recommend getting the previous insurer to update the sheep incident a non claim

jeffrey61

Thanks for all the advice. I am going to ring More Than first thing in the morning about the sheep incident as I was not aware that it was being recorded as an accident. I just assumed that as no other car was involved, no damage to mine and I was not at fault even though they have recorded it as so - again only found that out this am.

The really strange thing is when I called One Call yesterday am they asked me who my insurer was at the time of the claim on 20/7/06 I thought it was More Than and he left me on hold for about 10 mins whilst he rang them and confirmed this. He then asked who my insurer was at the time of the accident on 01/06/07 and I thought it was More Than but wasnt sure, so he asked me to find out who the insurer was at that time and get them to do a letter to confirm no claim made. When I got home I discovered it was still More Than - surely when One Call rang More Than the first time they would have asked for all claims whilst I was with them?

Also One Call said that they got the date of accident 20/7/06 from my previous insurers.
So from the above, it seems that they have not consulted the CUE database and are ringing round my previous insurers.

since the accident no one frm ne Call has asked me if I am at fault, the details of the accident are complicated and it is hard to explain on the phone or on here. I was expecting a letter asking me to provide full details and show a drawing of the road and position of vehicles etc instead had a brief call from the underwriter who obviously assumed it was my fault. Or is this normal?

Out of the 9 phone calls I have made to them only 1 has been returned. I have had no written communication apart from the letter voiding my insurance on the 3 Feb