Motor insurance write-off payment problem

Tinuel

Quentin wrote: »

You need to clarify the problem, as needing a correct "main policyholder" doesn't make sense.

There is a "main driver" (who you nominate when taking out the policy), and a "policyholder", not a "main policyholder".

As you are married, then the car is in your joint ownership, and so the name on the v5 is irrelevant.

(Does the policy stipulate anything about the policyholder being the Regustered Keeper?)

Hi Quentin,
Below is the content of their letter:

*************************************
Dear Ms xxx,
I write in relation to the above-referenced claim.

Having reviewed this case, we have become aware of the named driver being the registered keeper of the vehicle.

Having referred this matter to our underwriters, they have advised us that they were not informed of this at the inception of your policy, and were they to have been made aware, this risk would not have been acceptable.

In light of this, we require a written explanation as to why you have withheld this information at the inception of your policy

etc, etc, etc

*****************************************

Tinuel

dacouch wrote: »

Which delightful Insurer is it?

Until this is sorted, I would prefer not to disclose it here.

Quentin

Tinuel wrote: »

Hi Quentin,
Below is the content of their letter:

*************************************
Dear Ms xxx,
I write in relation to the above-referenced claim.

Having reviewed this case, we have become aware of the named driver being the registered keeper of the vehicle.

Having referred this matter to our underwriters, they have advised us that they were not informed of this at the inception of your policy, and were they to have been made aware, this risk would not have been acceptable.

In light of this, we require a written explanation as to why you have withheld this information at the inception of your policy

etc, etc, etc

*****************************************

It seems they are unhappy with the main driver's profile for some reason.

You do need to sort this out as from their stance they look to be on the verge of cancelling the policy (and may not be paying the claim on the grounds they wouldn't have issued cover had they been told your missus was to be the main driver).

jaydeeuk1

Tinuel wrote: »

Until this is sorted, I would prefer not to disclose it here.

Why? First they won't be able to identify you from here, you're only stating facts, and also some reps like to browse this site and are actually quite helpful - they ask you to contact them directly and they'll look in to it.

Tinuel

jaydeeuk1 wrote: »

Why? First they won't be able to identify you from here, you're only stating facts, and also some reps like to browse this site and are actually quite helpful - they ask you to contact them directly and they'll look in to it.

Oh ok, yes, you have a point.
It's the Co-op motor insurance.

Tinuel

Quentin wrote: »

It seems they are unhappy with the main driver's profile for some reason.

You do need to sort this out as from their stance they look to be on the verge of cancelling the policy (and may not be paying the claim on the grounds they wouldn't have issued cover had they been told your missus was to be the main driver).

It does look like that, but it is strange.

She was never involved in any accidents, she has owned cars in the past, with her name as the registered keeper on the V5, she does not do a lot of mileage, and does not use the car for work purposes.

On paper, she looks a safer/better person to insure than me.

Unless she has some dodgy driving secret that I am not aware of

Quentin

Any unusual occupation?

Paperbird

I can't see why they are making a fuss about it. One of our cars I was the RK because I bought it but insurance was in my daughters name with me as a named driver. The insurance had to be done that way as she was the main driver.
Just tell them it was in husbands name because he was the one that went to the garage and signed everything for it but wife insured it because wife is the main driver.

Tinuel

As an update.

The underwriters are now asking for a copy of the marriage certificate...
They won't do anything without it.

Quentin

Once you supply that, then the matter should be resolved!