Please help! Insurance nightmare.

FlameCloud

RebekahL wrote: »

This is my problem.... I was getting out temporary insurance through admiral for a week at a time, after I did this 3 or 4 times they told me I had to get a full policy out and signed me up. I told them throughout that I wasn't the owner or keeper of the car and they signed me up anyway. The reason the lawyer told me not to sign was because he believed that admiral would just put all the cost to me regardless and he told me they'd know they were in the wrong to insure me in the first place. The area is grey, they can't blame me for allowing an uninsured driver to use the car because it belonged to her, she could do what she wanted and she can't steal it because, again, the car is hers. When she called admiral on the day of the crash to ask for recovery (yes she had the cheek) they terminated the call because she failed on the security questions. They then emailed me to ask for further details on the crash and where I want the curtesy car dropped off, to which I was shocked and hadn't a clue what they was on about. I'm at the point now where I wish I had pretended to drive the car and it was me, I wouldn't have this headache and this has still affected every policy I've had for my own cars since.

You seriously need a specialist motoring solicitor- Admiral were not 'wrong' in issuing you a policy of insurance - you can get an insurance policy on other peoples cars so it was unlikely to be that.

They are not blaming you for allowing the uninsured driver to use the vehicle- they have been forced to pay the claim under the RTA and their contract with you allows them to recover the money from you directly.

As I said before, you need to speak to Admiral and find out the specific reason - in writing - for the cancellation of the policy.

SimonSays

A few points that stood out to me

-Admiral don't do temporary policies as a stand alone product you have to add them onto an existing policy. (As far as I can see)
-There is no insurable interest so either you said it was your car or it was a spouses. I know most providers work the same way
-Why didn't if you wanted to drive this car use the TPO on other cars as long as insured element of your policy. I guess you knew it wasn't insured

ruthiebaby30

SimonSays wrote: »

A few points that stood out to me

-Admiral don't do temporary policies as a stand alone product you have to add them onto an existing policy. (As far as I can see)
-There is no insurable interest so either you said it was your car or it was a spouses. I know most providers work the same way
-Why didn't if you wanted to drive this car use the TPO on other cars as long as insured element of your policy. I guess you knew it wasn't insured

-Yes they do - or did as of 2 years ago when this happened.

-AGAIN, they were fully aware that the car was not my daughters.

-AGAIN, you can get insurance for a car you do not own. I have done it myself.

-She didn't have another car and subsequently no other insurance policy.

-As for "I guess you knew it wasn't insured" I don't know where to go with that! WOW!

SimonSays

Insurers need an insurable interest, Otherwise I could insure my neighbours Porche then make a claim. See that would be silly

You can get temporary cover yes. Its a cover note!

Theres more to this than meets the eye. Youve still not answered why if your daughter wanted to drive it she didnt under her tpo element of her policy.

Something aint right and it aint a critical illness policy paying out without quibble

FlameCloud

SimonSays wrote: »

Insurers need an insurable interest, Otherwise I could insure my neighbours Porche then make a claim. See that would be silly

You can get temporary cover yes. Its a cover note!

Theres more to this than meets the eye. Youve still not answered why if your daughter wanted to drive it she didnt under her tpo element of her policy.

Something aint right and it aint a critical illness policy paying out without quibble

Insurable interest can be created through contract, statute or ownership.

In this case there is insurable interest as she was presumably allowed to drive the vehicle, thus required the policy.

RebekahL

Admiral did a temp insurance for me as I had previously held a full policy for my first car. As I said before they knew it was my friends car. And in regards to TPO insurance it is cheaper for me as a young driver to get fully comp.
I get that there is clauses and regulations regarding the matter but the fact still stands that I did nothing wrong but admiral aren't interested in finding the truth or chasing the actual driver and owner, just me. So I'm the one who's been left in the s while she skips away into the sunset scot free. I will fight this regardless. I don't understand how admiral can ask 20k from me but "only 17k if you pay within 28 days" for a crash in which the the victim drove away, had no injuries, no time off work. It's madness, it seems that admiral are trying to cash in from me big time.

Quentin

ruthiebaby30 wrote: »

-Yes they do - or did as of 2 years ago when this happened.

-AGAIN, they were fully aware that the car was not my daughters.

-AGAIN, you can get insurance for a car you do not own. I have done it myself.

-She didn't have another car and subsequently no other insurance policy.

-As for "I guess you knew it wasn't insured" I don't know where to go with that! WOW!

As you will have picked up from the advice you have been given, in the face of all this there is something not right.

In who's corner this is cannot be determined from the info we have, but irrespective of all this you cannot rely on anything from this forum as her defence.

In view of the large sum involved she does need to get proper legal advice over this now before the whole thing escalates.

(And although secondary, if this does turn out to be all Admiral's fault, then that will mean the policy was wrongly cancelled (what reason did they give for cancelling it?), and she should chase this up with them and get the cancellation expunged from her record - as it stands she has to disclose this for evermore, meaning getting insurance cover will be hard and expensive if a company is prepared to take her on)

Quentin

RebekahL wrote: »

Admiral did a temp insurance for me as I had previously held a full policy for my first car. As I said before they knew it was my friends car. And in regards to TPO insurance it is cheaper for me as a young driver to get fully comp.
I get that there is clauses and regulations regarding the matter but the fact still stands that I did nothing wrong but admiral aren't interested in finding the truth or chasing the actual driver and owner, just me. So I'm the one who's been left in the s while she skips away into the sunset scot free. I will fight this regardless. I don't understand how admiral can ask 20k from me but "only 17k if you pay within 28 days" for a crash in which the the victim drove away, had no injuries, no time off work. It's madness, it seems that admiral are trying to cash in from me big time.

Admiral should itemise their claim from you if you ask them to.

What reason did they give for cancelling the policy?

SimonSays

FlameCloud wrote: »

Insurable interest can be created through contract, statute or ownership.

In this case there is insurable interest as she was presumably allowed to drive the vehicle, thus required the policy.

but if she held insurance elsewhere they would provide cover on tpo basis

As for wanting to drive the vehicle is not an acceptable interest for anything than a cover note.

notanewuser

SimonSays wrote: »

A few points that stood out to me

-Admiral don't do temporary policies as a stand alone product you have to add them onto an existing policy. (As far as I can see)
-There is no insurable interest so either you said it was your car or it was a spouses. I know most providers work the same way
-Why didn't if you wanted to drive this car use the TPO on other cars as long as insured element of your policy. I guess you knew it wasn't insured

Please name any insurer that gives driving other cars cover to 20 year olds as standard.