Insurance Void Vs Cancellation

thenudeone

Cyberman60 wrote: »

If insurer refuses to reimburse you and you paid by credit card or debit card try contacting the card company and claiming under section 75 Consumer Credit Act 1974.

:rotfl::rotfl:

The OP has committed a criminal offence (albeit inadvertently) by giving false information to obtain motor insurance.
The insurer has issued a certificate and has suffered the risk (even though they haven't received a premium corresponding to that risk).
The insurer has used a term in the contract which allows them to cancel in cases of non-disclosure.

What breach of contract or misrepresentation do you think has occurred?????

BTW Debit cards are not covered by s75

I suggest that you spend some time reading other more knowledgeable posters here before proffering your "advice".

dacouch

smifffy1989 wrote: »

I would speak to them and explain the situation see what they say.

The Consumer Insurance (Disclosure and Representations) Act 2012 says that it is the consumers duty to "take reasonable care not to make a misrepresentation" - replacing the previous duty to disclose all necessary information.

As a result you could argue if you were only given the options 1 year or 2 years then you picked the one most appropriate to your situation.

The only sticking point to this is that you normally are taken to the insurers website after visiting the aggregator (eg moneysupermarket) to confirm all details are correct and at that point there may have been an option to adjust driving experience to 1 year 11 months.

The Consumer Insurance (Disclosure and Representations) Act 2012 also does not oblige an Insurer who would not have offered cover had they been informed of the correct information to cancel / void the policy.

David_InsDef

The insurer pretty much has the option of what they want to do, once the 'misrepresentation' becomes apparent.

Regardless, it does seem a harsh decision if it's a case of having held a licence for 23 months not 24 at the point of inception.

Are you aware that the policyholder now has to disclose the insurer-led cancellation to future insurers? (assuming they ask the question that is... and most do)