Insurance increased because of undeclared incidents

mikey72

http://www.fsa.gov.uk/pages/consumerinformation/product_news/insurance/price_comparison/index.shtml

clear answer there.

The insurer is responsible for asking the right questions, and using the information correctly.

It's not the customer at fault.

lisyloo

It's not the customer at fault.

We cannot say that. Not without any evidence.
What if the customer got it wrong and the insurer has got all the IT trace to prove it.
It is possible for people to be mistaken even when they claim to be 100% certain.

Whether the insurer should have picked up on a document sent for an entirely different purpose - I don't know, but that's not what your link is referring to.

vaio

I guess mikey means that the FSA/FOS rules means that insurance companies that use third party sites to sell insurance are responsible for the correct collection, transmission & use of information typed in by the customer, which sort of contradicts your earlier post......

lisyloo wrote: »

If you do insurance DIY then you are responsible for making sure all the admin is correct.
Unfortunately comparison sites do pass over data wrongly sometimes.
I don't think you will have any luck here because even if it was wrong the argument will be that it was your responsibility to check everything was correct.......

mikey72

lisyloo wrote: »

We cannot say that. Not without any evidence.
What if the customer got it wrong and the insurer has got all the IT trace to prove it.
It is possible for people to be mistaken even when they claim to be 100% certain.

Whether the insurer should have picked up on a document sent for an entirely different purpose - I don't know, but that's not what your link is referring to.

Let the insurer prove it then, if they do indeed have IT that can show all the information was carried over on that particular quote 100% correctly.

Op entered the information on the comparison site, and sent in the proof of ncd, with the information he entered shown on it.
They accepted it, and have now tried to back date a premium increase over a year later?


I would send a formal letter of complaint, and refer it to the FOS if the £160 isn't refunded, and this years renewal price honoured.

luci

I no longer use comparison sites for car insurance. I got fed up of them being selective with the information they would have transferred to the insurance companies.

Despite being very specific about wanting protected NCD, courtesy car and the level of excess I wanted, this information was totally ignored on the quotes the comparison sites returned. An excess of £100 suddenly jumped to £450 just to give a lower quote. Without reading the details carefully this could have been missed.

lisyloo

Let the insurer prove it then
I would send a formal letter of complaint, and refer it to the FOS if the £160 isn't refunded, and this years renewal price honoured.

I agree a complaint should go in (which is what I suggested in post #13).
But you cannot say who is at fault with one side of the story.
Taking further action should surely depend on the outcome. For example if the insurer has full trace backing them up then why would you encourage anyone to unnecessarily raise costs for everyone?

I guess mikey means that the FSA/FOS rules means that insurance companies that use third party sites to sell insurance are responsible for the correct collection, transmission & use of information typed in by the customer, which sort of contradicts your earlier post......

Yes I agree that's what he said (I'll check it out later but I'm working from 9)
That doesn't in anyway mean the customer is right in this case.
It depends on the input and at the moment we have one person's word with no evidence.

mel19632

Thank you to everyone who has posted! Apologies for the slow response. I think I will make a complaint and see where it gets me. Unfortunately i think that everyone is right on here regarding the fact that I should have read the documents (which i clearly didnt).

I am adament that I included the non fault accidents and perhaps the price comparison didn't pass them over as a number of you have suggested but it was clear as day on the NCB letter.

I have been unsuccessful in working out which price comparison site I used (as i used so many to check quotes) and therefore I can't use this as evidence. I can only put forward the letter which the insurers reminded me that I had sent into them in january 2011 which states the dates of the accidents and the fact that they did not affect my NCB.

it IS annoying that through no fault of my own, my insurance has gone up and I can see why people decide not to go through insurers now and sort out accidents themselves!

If anyone has had sucess in arguing this with the insurers I would love to hear.

Thanks again all!

vaio

lisyloo wrote: »

I agree a complaint should go in (which is what I suggested in post #13)........

I can't see any reference to a complaint in your post #13

lisyloo wrote: »

......But you cannot say who is at fault with one side of the story.
Taking further action should surely depend on the outcome. For example if the insurer has full trace backing them up then why would you encourage anyone to unnecessarily raise costs for everyone?

Yes I agree that's what he said (I'll check it out later but I'm working from 9)
That doesn't in anyway mean the customer is right in this case.
It depends on the input and at the moment we have one person's word with no evidence.

I don't think anybody is suggesting "unnecessarily raising costs" with unjustified complaints.

The OP stated (s)he was sure the information had been provided at the proposal stage and again when (s)he submitted his NCB proof and certainly my (and I suspect most others) contributions have assumed that the OP is telling the truth and dealt with what should happen if information provided get lost/overlooked within the insurance "system" (inc third party websites)

Assuming the OP is mistaken/telling lies doesn't really add to the discussion as the consequences for that are clear.


.

mel19632

OP is she and I don't think I would have bothered starting a thread if I was lying or if I wasn't sure.

vax2002

When they are asked to pay it is a "claim" they are either liable or not, they do not "do" accidents.
However, someone runs in to you, then its an accident and they can charge you more.
The simple truth is, you can not claim on someone else's policy, they have to do it.
So you have made no claim, for been an innocent party in someone else's accident.
Someone should take these **** to court and get it laid down in stone that UK law states you shall not suffer loss or harm.
Is this what they are doing ? causing you loss for someone else's negligence ?