Car Insurance voided and asking £336 for recovery?

dunstonh

The FOS non disclosure guidelines are clear. Here is the guide:

http://www.financial-ombudsman.org.uk/publications/ombudsman-news/46/46_non_disclosure_insurance.htm

garth549

This is ridiculously harsh IMO and you should definitely appeal as far as you can.

I bet 95% of people wouldn't realise this is something that had to be declared. I certainly didn't and would only think along the lines of alloy wheels, bigger engine etc. What's next - not declaring a bumper sticker?

r4vilious

Appreciate it everyone.
Is it too late for me to appeal/complain? considering its been 9 days since they cancelled my policy.

Regards

Quentin

r4vilious wrote: »

Is it too late for me to appeal/complain? considering its been 9 days since they cancelled my policy.

No.

Try speaking to a c/s manager first to state your case, rather than going straight into a "complaint" (which could take a long time to reach a resolution).

If that gets you nowhere, then embark on the complaint route.

You really have nothing to lose!

vaio

and find a link to the FOS case Suemaggie posted above so you can refer them to it as part of the discussions, on the face of it that case is so similar to yours that they would be foolish not to change their minds.

r4vilious

Thank you everyone, been a great help.
I've sent an email to the complaints department of the insurer, just going to keep fingers crossed and hope for the best response.
Will definitely let you know how it goes.

Regards

Ravi

SueMaggie

vaio wrote: »

and find a link to the FOS case Suemaggie posted above so you can refer them to it as part of the discussions, on the face of it that case is so similar to yours that they would be foolish not to change their minds.

Have added a link to the relevant case in my earlier post.

Plus here it is again. Link.

fwor

One of the things you should establish is whether the front tints are legal or not. Did the insurance company claim that they were illegal?

The law states that the front windscreen must pass 75% of light and front side windows 70%, as described here:

http://www.direct.gov.uk/en/Motoring/OwningAVehicle/AdviceOnKeepingYourVehicle/DG_181016

If they were legal, the tint would be so light that it would not (IMO) have been unreasonable to assume that they were like that from the manufacturer.

If they were illegal, I'm guessing you probably won't have a leg to stand on...

olly300

r4vilious wrote: »

Thank you everyone, been a great help.
I've sent an email to the complaints department of the insurer, just going to keep fingers crossed and hope for the best response.
Will definitely let you know how it goes.

Regards

Ravi

If they don't reply write a letter and post it using recorded signed for post as insurance companies have a habit of "losing" post.

Even if you do this they may still claim they have lost your letter but if you have the receipts and copies of the letters, this will not wash with any regulator so they will tend to sort the issue out once you inform them the letter was tracked.

vaio

Quentin wrote: »

No.

Try speaking to a c/s manager first to state your case, rather than going straight into a "complaint" (which could take a long time to reach a resolution).

If that gets you nowhere, then embark on the complaint route.

You really have nothing to lose!

Think I’d be inclined to go with Quentin’s advice, often things like this are easier (and certainly miles quicker) to sort out over the phone.

If they still won’t play ball then you can always drop back to the formal complaint route later


Have you found the exact question regarding modifications?