Car insurance dilemma

tonyd25

Yes I will do tomorrow, my post was directed @NEw world man who mentioned the same happened to his son.


I will most definitely kick up a fuss about this. Let's just hope the new insurance company is understanding on the matter and realizes what has unfolded here. Obviously I made a mistake not mentioning the accident but only did so because I was under the impression no claim had been made because it was my fault and didn't realize a scratch in the central reservation would cost £7000

Astronaughtwannabe

Just out of curiosity, who is the insurer? (If it's admiral, just bend over and take your medicine ;-)

im-lost

tonyd25 wrote: »

Yes I will do tomorrow, my post was directed @NEw world man who mentioned the same happened to his son.


I will most definitely kick up a fuss about this. Let's just hope the new insurance company is understanding on the matter and realizes what has unfolded here. Obviously I made a mistake not mentioning the accident but only did so because I was under the impression no claim had been made because it was my fault and didn't realize a scratch in the central reservation would cost £7000

does it really matter about the cost? even if its less, you'll still have a claim against you, that you were responsible for, you'll still have a cancelled policy.

whether its 2k or the 7k, it wont make a blind bit of difference to the position you're in now

tonyd25

I wouldn't mind if I actually knew about the claim

I have heard nothing about it.. If I did I obviously would of mentioned it to my insurers. Would of at least expected a letter telling me about it.. Or is that being unreasonable? How would I know to mention a claim when I haven't even heard about it till today

Astronaughtwannabe

Which of course will be the crux of your complaint ;-)

AdrianC

tonyd25 wrote: »

I wouldn't mind if I actually knew about the claim

You knew you'd crashed on the motorway.
I presume you knew you'd damaged the barrier?

So... umm...

Ozzuk

The cost is a side issue, I'm sure one of the questions is have you had a claim or accident in the last 5 years. You chose to say no, knowing this was a lie and they've caught you out on it because someone else made a claim, could have been £7 or £7000 result to you would be the same.

As others have mentioned, you now have had insurance cancelled which you will have to declare.

If your insurer hadn't repaired your car then I think a lot of people would probably have tried the same thing, sadly you've been caught out and it will cost you, I don't think there is much you can do.

As for limiting/fighting the costs - leave that to your insurer I doubt they'll come after you for it so it doesn't matter - they will want to limit their own costs.

Retrogamer

Ozzuk wrote: »

The cost is a side issue, I'm sure one of the questions is have you had a claim or accident in the last 5 years.

This is what i was thinking.
The OP was aware of the accident but perhaps didn't want to declare that as assumed there was no claim and new insurance company wouldn't find out.

Astronaughtwannabe

I can see where the OP is coming from, for all he knew the street furniture comes out of a central fund (I bet lots of people don't realise) and he apparently didn't claim for his vehicle.

Now couple it with what his previous insurer said, i.e. it doesn't count (or whatever they said) and throw in the lack of any communication from them.


I would guess that most insurers now send someone out to take a statement and photos of the locus, even in low value incidents nowadays. I'd at least expect the insurer to send out a pro forma blank statement to be filled in.

IamNotAllowedToUseMyName

Firstly, what was the OP asked about whether he had had any accidents in the last 5 years.

Secondly, what was the OP asked about whether he had any claims?

The two are different, but if the OP did not disclose he had had an accident, then the no claims element is not the fundamental problem, it will be the failure to disclose an accident where I presume he did the repairs himself rather than claiming.

If he did disclose the accident to the new insurers, then the way to resolve this is to ask the old insurers to confirm to the new insurers that they failed to properly communicate with you and therefore there was no deception involved. The new insurers may then agree either to continuing the insurance or could decide to allow you to terminate the policy so that you can then get insurance elsewhere without the damage of a cancellation on your record.

Get on the phone to your new insurers and ask them, and get onto your old insurers. If you don't get a sensible response then you should make a formal complaint against your old insurers, which may then get bumped up to the FCA.