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Van insurance - premium increased AFTER taking out policy and paying in full?!
Hannah83
Posts: 1 Newbie
Hi Folks,
My partner used a comparison website to find the cheapest quote for his van insurance, then visited the website of the company providing the cheapest quote to enter his details directly with them in order to take out the policy. On both the comparison site and the insurers website he was asked if he had been convicted of any motoring offence WITHIN THE LAST 5 YEARS, which he responded no. He has a DR10 from 7 years ago, but was under the impression this was 'spent' since it was more than 5 years previously. Furthermore, neither website allowed him to enter a conviction date of prior to 2006 - it automatically reverted to 'no'. Anyway, he took out the insurance and has paid his premium in full, but the insurance company has sent him some documents to complete and return to them in order to finalise the policy (e.g. proof of no claims, copy of driving license). One of these forms asks him to state whether he has EVER been convicted of a motoring offence. On ringing to enquire about this, he has been informed that his premium will go up - the amount by which they are yet to say - because of this conviction, but he was not asked to declare it before taking out insurance with them, since they only asked about convictions within the last 5 years. This seems pretty unfair to me as they have got him by the short and curly's - to cancel the policy will cost him £300, so he is at their mercy in terms of how much they want to increase the policy by. So i was just wondering whether they are actually allowed to do this? And also whether a DR10 is 'spent' and therefore does not need to be declared after 5 years?
Thanks in advance for the advice :0) Hannah
My partner used a comparison website to find the cheapest quote for his van insurance, then visited the website of the company providing the cheapest quote to enter his details directly with them in order to take out the policy. On both the comparison site and the insurers website he was asked if he had been convicted of any motoring offence WITHIN THE LAST 5 YEARS, which he responded no. He has a DR10 from 7 years ago, but was under the impression this was 'spent' since it was more than 5 years previously. Furthermore, neither website allowed him to enter a conviction date of prior to 2006 - it automatically reverted to 'no'. Anyway, he took out the insurance and has paid his premium in full, but the insurance company has sent him some documents to complete and return to them in order to finalise the policy (e.g. proof of no claims, copy of driving license). One of these forms asks him to state whether he has EVER been convicted of a motoring offence. On ringing to enquire about this, he has been informed that his premium will go up - the amount by which they are yet to say - because of this conviction, but he was not asked to declare it before taking out insurance with them, since they only asked about convictions within the last 5 years. This seems pretty unfair to me as they have got him by the short and curly's - to cancel the policy will cost him £300, so he is at their mercy in terms of how much they want to increase the policy by. So i was just wondering whether they are actually allowed to do this? And also whether a DR10 is 'spent' and therefore does not need to be declared after 5 years?
Thanks in advance for the advice :0) Hannah
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