Invalid car insurance! Mobile homes owners

susanxx

I recently had to renew my car insurance and went through Go Compare. After answering all the questions truthfully and honestly, I paid for the insurance and waited for the paperwork to drop through the letterbox. One week later, 3 envelopes arrived, one was the certificate, and the other two were letters thanking me for taking out insurance with them. They were identical except for one tiny detail, the policy number was different by one digit. So I telephoned the number and was told it was not a problem just a mistake by the broker and I was insured. However 15 minutes later my phone rang(a different number than the one I had originally phoned) and was asked if I lived in a mobile home. Now the address I live at includes 'Park Homes' in the address and was not questioned before but now because I had contacted them, this detail switched a light on and now questions were being asked. It transpires that a number of car insurance companies now will not insure cars that belong to people that live in 'mobile homes' also known as 'park homes'. So basically I have been driving around whilst unsinsured through no fault of my own and none of the paperwork from the insurer says anything about 'mobile homes'. This is a cautionary tale to those people who live in 'mobile homes' or even caravans, surely these must come under the same rules? Getting home insurance is limited to a choice of about 5 providers and now there are restrictions on car insurance. Make sure you ask the right questions before you sign up.

forgotmyname

You were insured though. They cancelled the policy after they looked into the details and found you did not match their requirements.

Someone will be getting more training or their system will be updated to pickup on this in future i guess.

mikey72

susanxx wrote: »

After answering all the questions truthfully and honestly.................

......... ......... Make sure you ask the right questions before you sign up.

So long as you answer truthfully, the insurer is obliged to honour the contract.
You don't need to ask further questions, that's down to the insurer to ask the correct questions, such as your address, and they need to act correctly on your answers.

lisyloo

So basically I have been driving around whilst unsinsured through no fault of my own and none of the paperwork from the insurer says anything about 'mobile homes'.

As the other 2 replies say, the insurer is bound by the contract and you would have been insured.
It's their job to ask all the questions they need to know.
They may well be things you want to ask, but it's not your job to check they want to insure you - that's their job.
Of course you should check all the details you've given them are correct.

thenudeone

If you answered all the questions honestly and the insurer simply changed their mind later, I'd make a complaint and take it to the ombudsman if necessary.