Crashed my car... Insurance won't pay out... Need Help ASAP

Kate._3

Gordon_Hose wrote: »

You haven't been "had". It's your responsibility to inform them of your 6 points. Ignorance isn't an excuse unfortunately.

With all due respect, thanks for stating the obvious and taking my point out of context. I know I should have told them and I know it was ignorant and stupid and foolish not to have understood the question.. yes I am an idiot, it's official.

But the point remains, they did not cancel the contract at the point when my money was going their way, nor did they highlight any discrepancies then. Obvious really. As someone said, they're a business and their only aim is making money and I made a very stupid mistake, but that's genuinely what it was. If they'd have phoned me and told me my payments would be x amount higher I'd have paid.

It seems wrong that I can be bound to an illegitimate contract while I'm paying, but only when I need a return the illegitimacy of it is highlighted. But that's business and I'm the loser. I won't make the same mistake again.

Kate._3

catflea wrote: »

Best advice is to buy a couple of hundred from someone (family) and buy a £500 car with 12 months MOT and use it. There are bargains to be had at that price.

And tell the insurers everything

Will definitely do the second bit. Might have to go with the first bit as well...

Thanks.

catflea

Seriously, just because a car is in that price bracket does not mean its a pup. My £275 car is still going strong 2 years and 35,000 miles later, only needed bulbs for the MOT.

Kate._3

What car is it?

Gordon_Hose

Kate. wrote: »

With all due respect, thanks for stating the obvious and taking my point out of context. I know I should have told them and I know it was ignorant and stupid and foolish not to have understood the question.. yes I am an idiot, it's official.

But the point remains, they did not cancel the contract at the point when my money was going their way, nor did they highlight any discrepancies then. Obvious really. As someone said, they're a business and their only aim is making money and I made a very stupid mistake, but that's genuinely what it was. If they'd have phoned me and told me my payments would be x amount higher I'd have paid.

It seems wrong that I can be bound to an illegitimate contract while I'm paying, but only when I need a return the illegitimacy of it is highlighted. But that's business and I'm the loser. I won't make the same mistake again.

But it's your responsibility, it's up to you to tell them, not for them to cross reference the DVLA database every time someone buys insurance.

However you look at it, you haven't been "had". Any issues that arise from not disclosing motoring convictions fall squarely at the feet of the customer. There is no recourse, if later down the line, you need to make a claim and it comes to light that you have undisclosed convictions.

Caerdragon

Kate. wrote: »

But the point remains, they did not cancel the contract at the point when my money was going their way, nor did they highlight any discrepancies then. .... If they'd have phoned me and told me my payments would be x amount higher I'd have paid.

It seems wrong that I can be bound to an illegitimate contract while I'm paying, but only when I need a return the illegitimacy of it is highlighted. But that's business and I'm the loser. I won't make the same mistake again.

They didn't cancel the insurance before you told them when you registered the claim because they didn't know. The DVLA won't relase license history to insurance companies without the license olders permission. It's not up to them to check these details for you.

However did they cancel the policy because of the points or just because there was no car left on cover? If it was just because there was no car will they let you do a change of vehicle for the remainder of the policy as at least this would leave you £350 out of the valuation to claim? (also you wouldn't have to inform any future insurer of a policy cancellation then)

catflea

Kate. wrote: »

What car is it?

Rover 114GTA. Not exactly designed as a mile muncher, but it does the job for me. Its about to turn 100k too

Kate._3

Gordon_Hose wrote: »

However you look at it, you haven't been "had". Any issues that arise from not disclosing motoring convictions fall squarely at the feet of the customer. There is no recourse, if later down the line, you need to make a claim and it comes to light that you have undisclosed convictions.

No, I fully agree with that bit and you're right. I don't feel I've actually been scammed in that sense, I know what they did they're well within their rights to do and it is entirely my fault that my claim is now void. I just wish it had been brought to my attention. But, like you say, that's not their job. My fault I know. But it genuinely was a stupid mistake.

Kate._3

Caerdragon wrote: »

However did they cancel the policy because of the points or just because there was no car left on cover? (also you wouldn't have to inform any future insurer of a policy cancellation then)

Just because there is no car to cover.

atrixblue.-MFR-.

cheapest option get car back repair with parts from ebay. by the time you hire a car pay deposit and then do again 3 months down the road you would have exceeded what could be the price to fix your car. simple its a focus, loadsa parts loadsa competition low prices to be had and parts on ebay.

you hit a curb so worse case scenario would be that you bent a few things, suspension arm, hub,outer rackend,wishbone, drop links, inner rack ends, a wheel, popped a drive shaft, broke an engine mountain may have damaged the sump or radiator,some cosmetics on bumper and or sill, nothing really that wont make it drivable after repair.
but when you considder that most of them can be baught new cheaply on ebay and some from scrappy still cheaper than hire purchase.