Car Insurance 'Misrepresentation' Please Help!!

wherekob

I have just been advised by my insurers LV that they have cancelled my policy thus making the entire 6 months so far null and void.

As i am in my first year of driving, my mum had called up LV to get a quote for me, she had said that she was the registered owner and keeper of the car as she had purchased the car but we had not sent off any documents as of yet. i took the documents home with me as i live at a different address and very stupidly sent off the documents in my name. a few months later a driver bumps wing mirrors with me (completely his fault) and tries to pursue the claim, this flags on the LV systems that the car is in my name not my mums as the insurance states.. they tell me i have misrepresented insuirance and am no longer an LV policyholder.

what looks very obvious to insurers that my dear old mum was intentionally lying to get my insurance down is actually a big misunderstanding and a very very idiotic one, (why would i be so stupid to lie about ownerhip of the car and then send off documents in a different name)

before i received the letters stationg what had happened exactly, and as far as i knew my LV policy cancelled for another reason, and thought the other driver in the incident had pulled out (turns out he hasnt) i took out insurance with admiral a few days ago thinking everything was fine, now im in a position where admiral may think im lying to them about ongoing claims and problems with other insurers, but the truth is we only found out all this this morning

does anyone have any experience with this? im seriously in a right worry and will be seeking legal advice first thing monday morning

i really appreciate anyones input in the matter

Kind regards

Andrew

starrystarry

Unfortunately it makes no difference whether the misrepresentation was innocent or not. The effect is the same, the contract is void.

Did you declare to Admiral that you've had an insurance policy cancelled? If you didn't, you might find yourself with another void contract.

raskazz

wherekob wrote: »

I have just been advised by my insurers LV that they have cancelled my policy thus making the entire 6 months so far null and void.

As i am in my first year of driving, my mum had called up LV to get a quote for me, she had said that she was the registered owner and keeper of the car as she had purchased the car but we had not sent off any documents as of yet. i took the documents home with me as i live at a different address and very stupidly sent off the documents in my name. a few months later a driver bumps wing mirrors with me (completely his fault) and tries to pursue the claim, this flags on the LV systems that the car is in my name not my mums as the insurance states.. they tell me i have misrepresented insuirance and am no longer an LV policyholder.

what looks very obvious to insurers that my dear old mum was intentionally lying to get my insurance down is actually a big misunderstanding and a very very idiotic one, (why would i be so stupid to lie about ownerhip of the car and then send off documents in a different name)

before i received the letters stationg what had happened exactly, and as far as i knew my LV policy cancelled for another reason, and thought the other driver in the incident had pulled out (turns out he hasnt) i took out insurance with admiral a few days ago thinking everything was fine, now im in a position where admiral may think im lying to them about ongoing claims and problems with other insurers, but the truth is we only found out all this this morning

does anyone have any experience with this? im seriously in a right worry and will be seeking legal advice first thing monday morning

i really appreciate anyones input in the matter

Kind regards

Andrew

1) Who is the policyholder of the LV policy?
2) Who was the main user of the car?
3) Who was disclosed to LV as the main user of the car?
4) Where was the vehicle being kept overnight - your address or your mum's address?
5) Which address was disclosed to LV as the policyholder's address?
6) Which address was disclosed to LV as the overnight location of the car?
7) Have you disclosed the accident to Admiral?
8) Have you disclosed the LV voidance to Admiral?

bouncydog1

Clearly looks like a case of fronting to the insurer - did they charge a lower premium because the policy was in your mum's name? Once they found out the facts, they cancelled the policy which they are entitled to do.

You can seek legal advice but might find you are throwing good money after bad - from what I can see from your post, your mum insured the vehicle to get a cheaper price because of your age and experience, stating that she owned the vehicle. Did she also tell them she was the main user?

huckster

Sounds like obvious fronting to me and cannot be justified. Surely the OP's mum would not have been happy about the car being registered as her sons car with DVLA and looked to have changed this. Or could she not do this, as the car and documents were with her son at his address.

I wonder how many other quotes the OP's mum obtained, as I doubt she would have just called LV. I suspect that she also looked online and made other enquiries. During these enquiries she would have been asked about the ownership of the car,who was the main driver and where it was kept.

If the OP's mum has other Car Insurances for other cars she may own, she will have to declare the voidance of the LV policy and this is going to cost her. I doubt any current Insurers will want to continue cover and if they did this would only be until renewal. Then she could be faced with some very expensive quotes.