Innocent mistake didn't add commuting on insurance and had bump

Nb82

Hi I'm 35 and only just past my test in April last year. I got my insurance and not really knowing what I was doing as first time and only have my children no family. I thought social and domestic included work and I had a bump littlerally in a que of traffic from work called insurer as was a brand new jag gave all details and answer to questions as honest as I couldn't now they have wrote saying that not covered cos I was driving from work I'm completely deverstated and don't know what to do for vest either way I don't have thousands of pounds I work hard and just about afford all I need to for myself and the girls please help I need advise

Alter_ego

The third party risk will be covered. Your own damage will not.
Insurance company may chase you for whatever they pay out.

Nb82

I don't have any damage but because my insurance was for social and commercial they say my insurance is not valid even though I have paid each month x

Alter_ego

The company cannot avoid a third party claim if they have issued a certificate. They can chase you for the money. Is the other driver claiming from your insurance?

Nb82

Social and domestic

Alter_ego

Nb82 wrote: »

Social and domestic

Yes I realised.

Nb82

Yes they put a claim in as they wanted to go to jag privately which was over 2k I don't have it I'm a single parent don't get help nor have family so had to go to insurance they asked if I used the car to get to work I said yes as I didn't want to lie nor see the need to as I thought it would be ok now saying they will not pay I'm so worried first time driver about having to pay out what I haven't got possible points I feel insurance invalid and have no one to turn to

Alter_ego

Is the insurance company really saying they will not pay?

Quentin

Unfortunately you were uninsured, so your insurer can turn their sights on you to reimburse them

Nb82

Reimburse them?

glentoran99

http://www.financial-ombudsman.org.uk/publications/ombudsman-news/7/july-innocent-non-disclosure.htm


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