urgent advice needed

spiro

As I have had 'business' level cover for years I didn't even know they had introduced a level between 'Social, Domestic & Pleasure' and 'Business use'.

dacouch

rugbywidow15 wrote: »

I used to work for Rbs/churchill (9years) and if after an accident we find out that a detail is incorrect, then we would normally make the amendment to the policy and charge the difference. They could then void her cover which means she will have to get another policy elsewhere.Assuming she has a copy of her insurance certificate, then legally they would still pay under road traffic act for the damage caused to other involved.

You cannot raise an additional premium to correct cover and then afterwards declare the contract (Policy) null and void. They either declare the policy void (Following the Ombudsmans guidelines) or accept it was an inadvertent non disclosure and rewrite the policy eg charge an additional premium if this would have been done at the start of the policy had they been aware of the correct details

Strider590

rugbywidow15 wrote: »

You would also be surprised by the number of people that phone in after a claim and say
I didn't know I needed to tell you this but my car is modified, has alloys, has been lowered, I dediced to make it a convertiable, i have points on my licence, my car has a bigger engine, I am on a provisional licenece, I have no licence etc etc

That's exactly what you should do, it forces transparency in your quoted premium.

If you call back and say "oh I forgot XYZ" they will often just add a few £ to the cost, but if you tell them before the quote, there's no way of knowing how much they've slapped on top.