Co-op car insurance, possible rejected claim, HELP!!!!

mills705

The problem you guys have is that although you are partners there is no insureable interest in that vehicle if you are the policy holder. If you were married then assets are jointly held and as such there is no issue. I agree in this age where people do live together but not married its an archaic scheme but makes sense! Coz really if you write the car off you would receive the indemnity and not your partner so she would be left worse off!

Most call centres are recorded so try and get it listened to! Hopefully long as you guys upheld your end by telling good faith then the broker will end up paying for the repairs and not c.is directly

dmliverpool

Get the tapes, check your confirmation documents of the policy change and check your actual policy terms. Somewhere it will mention the use of the car by the policy holder (s) including any additional drivers, which I presume you added before this incident. If you added your partner after this incident then they are right. If you added/changed the policy before the incident then it will be that she is the additional driver. They should treat the claim as if your were driving and there will be an additional access to pay. The RK is irrelevant unless the policy terms state otherwise and this will be very clear.

craiga20uk

dmliverpool wrote: »

Get the tapes, check your confirmation documents of the policy change and check your actual policy terms. Somewhere it will mention the use of the car by the policy holder (s) including any additional drivers, which I presume you added before this incident. If you added your partner after this incident then they are right. If you added/changed the policy before the incident then it will be that she is the additional driver. They should treat the claim as if your were driving and there will be an additional access to pay. The RK is irrelevant unless the policy terms state otherwise and this will be very clear.

We have been through all the documents, and there is a discrepancy saying that I am the registered keeper. Our argument though, is that this isn't something that was done on purpose, and it is their job to ask all the relevant questions when setting up the policy. Asking are there any other changes, and asking who is the registered keeper are two completely different questions to me. The advice given by citizens advice is that the insurer should ask for all the information they require, we shouldn't have to think what information we need to volunteer to them. We have been on the same policy since March, I was the registered keeper of our previous vehicle.

Quentin

The coop do ask online if the car is registered at the dvla in your name.