Named Driver on a previously voided insurnace policy

adatdeys

Hi,

In early 2014, I was a named driver on my father's insurance policy. I had an accident which was not my fault and made the claim with my company, but they voided the policy (The Car was under my brothers name, the Insurance Policy under my father's name, the insurnace company felt we lied to them though my dad was sure he told them how it was) anyway long story short, they voided that policy and gave full refund of premiums (I am not sure whether or not the claim is on the CUE database at all though)

Fast forward to today,

I bought a car yesterday and want to take out insurance on it. The car is in my name and the policy is going to be in my name.

Do i mention that i was a named driver on a POLICY that was voided (even though I was not the policy holder at the time?) My dad won't be a named driver on this policy so it shouldnt be an issue and i assuming my insurance company didn't process the claim at all so it doesnt count as a claim? ( I appreciate this is a big assumption to make)

I know companies are always iffy when it comes to voided policies.

Thanks

rs65

In my opinion

Your father had a voided policy

You had an accident/made a claim

Quentin

Answer the question regarding cancelled policies truthfully.


Normally you only answer yes if you have ever had a policy of your own voided/cancelled so you probably have nothing to disclose regarding a voided policy


But your assumption is not quite right concerning your accident.


This will normally have to be disclosed as part of your driving history (companies ask about any claims or losses over the previous 3/5 years) and your loss will have been recorded at the time and still be on the database.

dacouch

between you and your brother you've blighted your father's insurance record.

i hope for his sake he's declaring the voided policy to his car and home insurers and any other insurers who ask about previously voided policies

Parking_Trouble

dacouch wrote: »

between you and your brother you've blighted your father's insurance record.

i hope for his sake he's declaring the voided policy to his car and home insurers and any other insurers who ask about previously voided policies

Innocent until proved guilty? The OP hasn't expanded on the reason why the policy was voided and if he the OP was aware as the named driver, so we don't know all the facts. You seem to be assuming deliberate fronting.

dacouch

Parking_Trouble wrote: »

Innocent until proved guilty? The OP hasn't expanded on the reason why the policy was voided and if he the OP was aware as the named driver, so we don't know all the facts. You seem to be assuming deliberate fronting.

Experience would suggest it's highly likely bearing in mind the circumstances eg

a) Father policyholder
b) Car registered in brothers name
c) Accident by younger brother
d) Insurer voided the policy

In my experience, if the father genuinely owned the vehicle and the son's were just added on as occasional drivers when they passed their tests. Then the car would be registered in the father's name.

Willing to be proved wrong but I would be surprised if this was not the case

Parking_Trouble

Quite clearly there is a mix up with the RK, Owner, Policyholder situation which the insurer finds sufficient to void the policy.

However, I prefer not to judge without the OP explaining all the available facts.

Insurers sometimes get it wrong.

adatdeys

Hi,

Thanks for your opinions,

The voided occurred because on the system, the insurance company had the owner as the car as my father when it should of been my brother's name . We already had a policy with them for another car, which my dad owns, and added another car onto the policy as it was a multi-car discount. My dad's English is not the greatest unfortunately and thus when he was telling them on the phone and telling them that it was my brother's name on the car, there was a misunderstanding between him and the operator on the phone. Fast forward a year and time to make the claim, the insurance company felt that we didn't tell them everything. My dad swears that he told them it was my brother's car. But I'm not looking to cry over spilt milk here, that was in the past and my dad has informed the insurance policies he's taken out since of this issue and other insurers are fine with it (after adjusting for the premium obviously).

I'm not looking to claim sympathy or support from anyone for the above incident but the problem at hand.

My problem relates to the issue at hand and that's me taking our insurance on a new car.

I phone up my old insurance company and discussed with them and they advised me that whilst they never followed through with the claim, there is still a note on my name and my father's name so I would be best advised to inform future insurers.]


So to summarise:

(1) Void is on my father's name - shouldn't need to inform them but to play it safe do it anyway
(2) Policy is on both of our names - inform it

Thanks for your opinions people and hopefully this will come in handy for someone else should they be in a similar situation.

rudekid48

I remember a thread about this voided policy - was that you under a different username OP?

adatdeys

Nope, but I did read it, it was just a different scenario.

dacouch

adatdeys wrote: »

Hi,

Thanks for your opinions,

The voided occurred because on the system, the insurance company had the owner as the car as my father when it should of been my brother's name . We already had a policy with them for another car, which my dad owns, and added another car onto the policy as it was a multi-car discount. My dad's English is not the greatest unfortunately and thus when he was telling them on the phone and telling them that it was my brother's name on the car, there was a misunderstanding between him and the operator on the phone. Fast forward a year and time to make the claim, the insurance company felt that we didn't tell them everything. My dad swears that he told them it was my brother's car. But I'm not looking to cry over spilt milk here, that was in the past and my dad has informed the insurance policies he's taken out since of this issue and other insurers are fine with it (after adjusting for the premium obviously).

I'm not looking to claim sympathy or support from anyone for the above incident but the problem at hand.

My problem relates to the issue at hand and that's me taking our insurance on a new car.

I phone up my old insurance company and discussed with them and they advised me that whilst they never followed through with the claim, there is still a note on my name and my father's name so I would be best advised to inform future insurers.]


So to summarise:

(1) Void is on my father's name - shouldn't need to inform them but to play it safe do it anyway
(2) Policy is on both of our names - inform it

Thanks for your opinions people and hopefully this will come in handy for someone else should they be in a similar situation.

Which is pretty much my description of the matter...

dacouch wrote: »

Experience would suggest it's highly likely bearing in mind the circumstances eg

a) Father policyholder
b) Car registered in brothers name
c) Accident by younger brother
d) Insurer voided the policy

In my experience, if the father genuinely owned the vehicle and the son's were just added on as occasional drivers when they passed their tests. Then the car would be registered in the father's name.

Willing to be proved wrong but I would be surprised if this was not the case