Need advise on what to do after my motor accident with a bus.

n217970

Probably worth pointing out that if the OP has not got alternative insurance in place by now they should get the car on SORN if not already or this will get worse still.

Aretnap

If the person you dealt with was really an insurance broker he will be regulated by the FCA and your first line of action is to make a complaint through his formal complaints process - the details of how to do this should be on the documents he gave you.

If, as sounds more likely, it was some guy whose phone number you got a pub, then you have been well and truly scammed, and you should report him and then see if you can get your insurers to take the cancellation marker off your records on the grounds that it wasn't you who filled in the application or provided the false information. I imagine that the more forthcoming you are with information to help track down the fraudster, the more likely they are to accept that you're the victim here.

Elbusaim

As soon as the insurance documents came, I called my insurer and changed the discrepencies. The insurance broker was one of those people who's number you'd get from a pub. I have learnt he is not 100% legitamate. I have since purchased car insurance myself and made sure everything is 100% correct. Only thing I didn't tell them about was my insurance being cancelled. However, my previous insurers when cancelling my insurance simply said "our company does not provide cover for people of your age and driving experience, on the car you wish to be insured on". As glentoran99 says, I was never insured by them. So I don't think there would be a cancellation marker on my name. Either way I've learnt from my mistake and will simply do all future applications myself as you can't really trust anyone to do things for you.

Car_54

Elbusaim wrote: »

As soon as the insurance documents came, I called my insurer and changed the discrepencies. The insurance broker was one of those people who's number you'd get from a pub. I have learnt he is not 100% legitamate. I have since purchased car insurance myself and made sure everything is 100% correct. Only thing I didn't tell them about was my insurance being cancelled. However, my previous insurers when cancelling my insurance simply said "our company does not provide cover for people of your age and driving experience, on the car you wish to be insured on". As glentoran99 says, I was never insured by them. So I don't think there would be a cancellation marker on my name. Either way I've learnt from my mistake and will simply do all future applications myself as you can't really trust anyone to do things for you.

I think glentoran99 is mistaken - if you were never insured, then there would have been nothing to cancel.

He may be right, but if he isn't then you've provided false info to your new insurer, thereby digging a deeper hole. Follow Aretnap's advice and get it resolved ASAP.

Elbusaim

Nope I did not sign any motor insurance proposal. The "broker" applied for me, told me when it was done. I checked my car on MID to see if it was insured. It showed as insured, so i used my car as normal. 4 days later the Insurance certificate came, and it was only then I became aware of the misinformation given to my insurers.

loskie

seems quite clear your insurance was cancelled due to miss information provided by "the broker". Unfortunately you are the one left picking up the pieces. You could try suing the "broker".

arcon5

There's a difference between never having had insurance and having had a policy void for the period.
The simple fact is if a fault accident arises the now ex insurer is legally obliged to protect the third party irrespective of cancellation. As such you did have insurance and it was cancelled, just you cannot make a claim on your own vehicle with it due to it being voided.

Have you ever had insurance cancelled? Yes you have. Your new insurer would almost definitely have asked this question. You answering no could still land you in trouble should they find out

dacouch

You did not answer whether it is a proper broker or not.

If a proper broker, follow aretnaps advice.

If a dodgy ghost broker, then there is a small chance you may be able to speak to the insurer and explain the circumstances. Depending on the insurer they might help you by not recording the cancellation. Otherwise they are likely to just assume you have tried to defraud them and record it and a cancellation. They may also put a fraud marker against your name which will show upto other insurers, banks and loan companies etc

bigadaj

dacouch wrote: »

You did not answer whether it is a proper broker or not.

If a proper broker, follow aretnaps advice.

If a dodgy ghost broker, then there is a small chance you may be able to speak to the insurer and explain the circumstances. Depending on the insurer they might help you by not recording the cancellation. Otherwise they are likely to just assume you have tried to defraud them and record it and a cancellation. They may also put a fraud marker against your name which will show upto other insurers, banks and loan companies etc

The insurance broker was one of those people who's number you'd get from a pub. I have learnt he is not 100% legitamate.


Think that answers your question.

Dr_Crypto

What’s a “ghost broker”?