My insurance not willing to pay

Quentin

Christopher7 wrote: »

I agree with you, but in your experience what percentage of claims were rejected for non disclosure and what percentage were sorted by the customer paying an additional premium.

Your post stated what "usually" happens in cases like this, not the full picture! Now he has the full picture and can make his own decision on what to do!

sarahg1969

Andystriker wrote: »

He can get prosecuted by the Police.

He can be prosecuted for not having insurance, which is possible as he failed to disclose all the details to the insurance company and as such, they can, and more than likely will, cancel the policy.

Firstly, the police don't prosecute.

Secondly, how would they even find out about the non-disclosure issue?

Not going to happen.

MarkyMarkD

I suspect that, reading between the lines, the OP's insurers suspect that the whole thing is a staged accident.

It is a classic situation - a hire car collides with a "friend's" car - in rather unusual circumstances (typically stopping at a roundabout with no brake lights because the bulbs have been removed, or driving into a car for no reason as appears to have happened in this case) and the "friend's" car is written off. Quite often the "friend's" car was a bit of a scrapper they have bought specially for the purpose - but one which might look like it was worth something, if it wasn't a scrapper. Then the "friend" and the other 5 people who happen to be travelling in the "innocent" car all claim for whiplash and other fake injuries which never really happened.

OP - were you on your own in the car? Do you know the person who was driving the other car? Have you had other accidents recently? Was your car full of passengers? Did you and the passengers all suffer injury in the accident?

Obviously, it could be that none of the above is true and I apologise for any false insinuations. And welcome to MSE!