Anyone got Car insurance with 9 points through Co-op Insurance?

Aretnap

Even if you do find someone who CIS have insured with 9 points, it doesn't necessarily help you as it doesn't prove that they would have insured YOU with 9 points. Underwriting criteria can be quite complex and other factors can play a part. It's quite possible that they'd be willing to insure, say, a middle aged vicar living in a leafy suburb and driving a boring car in spite of him having 9 points, but that presented with (say) a young driver with an inner city postcode in a modified Corsa, a few points would be what push them over the edge into declining to quote altogether. So the fact that they might have insured someone else with a similar number of point as you doesn't prove much - unless that someone happens to be similar to you in all other respects as well.

In any event whether or not they'd had insured you had they known about the comvictioms only matters if it's being treated as careless non-disclosure. If they're not telling you whether they'd have insured you that implies that they're treating it as deliberate - and if they can prove that it was deliberate then they're entitled to void the policy regardless. Dacouch offers some examples of the sort of evidence that they might use to prove that it was deliberate...

Aretnap

facade wrote: »

Whether they would have quoted you if you had declared 9 points seems moot, as they are hardly going to let you pay another £500 to be forgiven and then suck up £339,500 unfortunately.

Fact is, you made a false declaration to obtain insurance whether intentionally or unintentionally, and the insurer is entitled to void your policy, refuse any claim you make, and seek to recover anything that they legally have to pay out to a third party.

That's not how it works.

Assuming that the false declaration was careless rather than deliberate (big assumption, but let's make it for the sake of argument) then the Comsumer Imsurance Act requires the insurer to pay a proportion of the claim, based on the proportion of the "correct" fee that the customer actually paid.

So if the CoOp would have insured the OP but charged him £1200 instead of £600 then they would have to pay half he claim. In practice that would mean that thy could only reclaim £170,000 from the OP (less half of his own repair costs) - still not a great outcome, but better than £340K

iolanthe07

Is this for real? How can anyone 'forget' that they have nine points! Someone with such a bad driving record is bound to be a huge risk for any insurer (as indeed it turned out), so when applying OP would need to be absolutely certain that the insurance company knew what risk they were taking on and double check the schedule.

OP, didn't it occur to you that £600 is an unrealistically low premium for someone with nine points, even for a Leaf?