Car insurance wants £26,260.00.

rs65

Dangermac wrote: »

- I dont understand why the broker (Eldon) are pursuing you. It will be the insurer who are out of pocket and who should be litigating.

Eldon group includes an underwriter and a claims management team for Southern Rock.

http://www.eldoninsurance.co.uk/

dacouch

Who actually paid for the car and whose name is the car in?

Have you been offsetting the car costs against your tax?

Does your father have another car?

Who long has your father owned the car?

Who long have you held a full licence?

Dangermac

rs65 wrote: »

Eldon group includes an underwriter and a claims management team for Southern Rock.

http://www.eldoninsurance.co.uk/

Ah - thanks rs65. I (wrongly) assumed that they just providing broking services

Filip

The issue may well be that they wouldn't insure with the car being registered in OPs name, therefore the policy being cancelled from inception. If it's something they wouldn't have insured had the details been entered correctly, they are within there rights to cancel an initial and pursue the OP for any consequential loss they've suffered.

Filip

*ab initio (frickin phone lol!!!)

tbourner

Agree you should check their complaints procedure and write a letter, copy the letter to the FOS. State the facts that you bought the car as a gift for your father, your sister did the online insurance application, she mistakenly stated your father as the registered keeper when in actual fact it was your details put on the V5, your father is the main driver and you use the vehicle occasionally. Just be honest and say it was a genuine mistake that you put your details on the V5 and your sister assumed it was your fathers details as he's now the owner - confusion between owner and registered keeper being different.
Technically you're in the wrong, as Filip says if their policy is not to insure unless the policyholder is the registered keeper then your policy is void. Worth a letter though so they know what you're claiming happened, due to the gift/sister/V5 muck up it's obvious it was an honest mistake on one single drop down selection box on confused.com!

Parking_Trouble

Also worth some dummy quotes to see if they would have refused the OP as the RK but everything else the same.

If they do accept that combination then puts the case more in favour of the OP I suspect.

Filip

Parking_Trouble wrote: »

Also worth some dummy quotes to see if they would have refused the OP as the RK but everything else the same.

If they do accept that combination then puts the case more in favour of the OP I suspect.

Definitely, unless they can prove they've changed their underwriting criteria since.

Parking_Trouble

Filip wrote: »

The issue may well be that they wouldn't insure with the car being registered in OPs name, therefore the policy being cancelled from inception. If it's something they wouldn't have insured had the details been entered correctly, they are within there rights to cancel an initial and pursue the OP for any consequential loss they've suffered.

The FOS make this clear on their website

Taking account of the law and good industry practice, we approach non-disclosure/misrepresentation cases in three stages. We summarise these three stages below, before describing each one in a little more detail.

1. When the customer sought insurance, did the insurer ask a clear question about the matter which is now under dispute-
2. Did the answer to that clear question induce the insurer; that is, did it influence the insurer’s decision to enter into the contract at all, or to do so under terms and conditions that it otherwise would not have accepted-
3. Only if the answers to both (1) and (2) are "yes", do we go on to consider whether the customer’s misrepresentation was an honest mistake, a dishonest attempt to mislead or due to some degree of negligence.

iEKOS

vaio wrote: »

have you read the FOS links above? That should be your next step

Not yet, had a quick look last night but got a bit busy with the kids weekend outing. Will have a good read tonight.