Car insurance Cancelled after non-disclosure

Hi
My daughter recently renewed her insurance policy and when asked if she had any accidents in the last 5 years she replied no, she has not had her insurance cancelled as it turns out she had an accident 4 years and 9 months ago, she believed it was earlier in the year and so over the 5 years, she now has to disclose every year for the rest of her life that she had insurance cancelled/refused . this seems rather harsh for a genuine error. I can't remember what I done last week let alone almost 5 years ago.

Does anyone know if there is a right to appeal to have this removed from her records ?

Thanks
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Comments

  • Quentin
    Quentin Posts: 40,405 Forumite
    Whenever you are unhappy with your insurer the route to take is a complaint in line with their complaints procedure.

    Then if you are unhappy with the response or they ignore you for 8 weeks you can escalate to the FOS for their adjudication at no cost to you

    But insurers are hot on non disclosure like this so she shouldn't hope too highly this will be revoked. (Though as this does have to be disclosed for evermore it's worth trying everything to get it reversed)
  • glentoran99
    glentoran99 Posts: 5,825 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker Debt-free and Proud!
    essex_zx7r wrote: »
    Hi
    My daughter recently renewed her insurance policy and when asked if she had any accidents in the last 5 years she replied no, she has not had her insurance cancelled as it turns out she had an accident 4 years and 9 months ago, she believed it was earlier in the year and so over the 5 years, she now has to disclose every year for the rest of her life that she had insurance cancelled/refused . this seems rather harsh for a genuine error. I can't remember what I done last week let alone almost 5 years ago.

    Does anyone know if there is a right to appeal to have this removed from her records ?

    Thanks


    when you say renewed did she stick with same insurer as previous?
  • essex_zx7r
    essex_zx7r Posts: 296 Forumite
    No unfortunately she went on a comparison site and got a cheaper quote, although not a massive difference to alert her that maybe something wasn't right with the quote
  • glentoran99
    glentoran99 Posts: 5,825 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker Debt-free and Proud!
    essex_zx7r wrote: »
    No unfortunately she went on a comparison site and got a cheaper quote, although not a massive difference to alert her that maybe something wasn't right with the quote

    ah was hoping you might have had a possible get out that they should have been aware
  • Sea_Shell
    Sea_Shell Posts: 9,937 Forumite
    Tenth Anniversary 1,000 Posts Photogenic Name Dropper
    Did they not ring you or anything...did they just cancel, straight off the bat. That seems a bit harsh, for a genuine oversight. Did it not flag up at application stage?

    I nearly did this once, again, miss-remembered dates, and the site flagged up as I was trying to buy the policy, that they had miss-matched information and couldn't proceed with the on-line application.

    I rang them, at which point I discovered my error....they amended the details their end, the quote was unaffected, and they processed the application.
    How's it going, AKA, Nutwatch? - 12 month spends to date = 2.98% of current retirement "pot" (as at end April 2025)
  • FutureGirl
    FutureGirl Posts: 1,252 Forumite
    Eighth Anniversary 1,000 Posts Combo Breaker
    edited 25 March 2018 at 10:08AM
    It seems to me that the insurer has taken the view that it was mere carelessness on your part (and not deliberate), however they wouldn't have offered a policy had the claim been disclosed, hence the cancellation.

    If they thought it was done deliberately etc, then the policy would have been voided.

    When the policy was taken out your daughter did say that that all the information she had given was correct, when it clearly wasn't. Hence the carelessness part.
  • kelevraz
    kelevraz Posts: 192 Forumite
    If her incident was LITERALLY 4 years, and 9 months from the inception of the policy, and they have asked for the last 5 years

    i would 100% take it to complaint..

    That being said, the usual line is - had you told us, we would not have offered you cover. And theres nothing that a complaint will do that will change her having to declare the policy being cancelled, once its off cover, by legal definition, it has been 'cancelled'

    You cant actually have a 'cancelled' policy re-instated, even if your put onto a new scheme with the same insurer, so she will always have to declare that

    If her policy had actually been VOIDED however, she could've taken the case to the FOS and possibly had the voidance 'revoked' if the complaint went her way.

    Ironically, getting your policy voided is way worse than getting it 'cancelled', even though you have to declare both and its pretty much the same effect, but the more harsh of the two outcomes - if your lucky, you can actually get away with not having to declare at all.

    Its abit crap
  • ValiantSon
    ValiantSon Posts: 2,586 Forumite
    essex_zx7r wrote: »
    Hi
    My daughter recently renewed her insurance policy and when asked if she had any accidents in the last 5 years she replied no, she has not had her insurance cancelled as it turns out she had an accident 4 years and 9 months ago, she believed it was earlier in the year and so over the 5 years, she now has to disclose every year for the rest of her life that she had insurance cancelled/refused . this seems rather harsh for a genuine error. I can't remember what I done last week let alone almost 5 years ago.

    Does anyone know if there is a right to appeal to have this removed from her records ?

    Thanks

    For an event like a car accident it is not unreasonable of the insurer to expect you to have kept records (especially as it is a known fact that you will have to declare accidents on insurance applications). While it might seem unfair it is the consequence of providing false information to the insurer.

    While it may have been a genuine mistake the insurer cannot know that. They simply see that an applicant provided false information and therefore attempted to gain a reduced premium by misrepresentation. It is a tough lesson to learn, but it is entirely reasonable to expect an applicant to keep records of accidents.
  • ValiantSon
    ValiantSon Posts: 2,586 Forumite
    kelevraz wrote: »
    If her incident was LITERALLY 4 years, and 9 months from the inception of the policy, and they have asked for the last 5 years

    i would 100% take it to complaint..

    Why? Four years and nine months is still within the five years asked about. What possible grounds are there for such a complaint?
  • kelevraz
    kelevraz Posts: 192 Forumite
    ValiantSon wrote: »
    Why? Four years and nine months is still within the five years asked about. What possible grounds are there for such a complaint?

    Genuine human error id say, the company i work for has tolerances for dates because people do get things wrong when taking out policies, no insurer (That i know of) cares about claims outside of 5 years, and MOST insurers that i know of - will have 3-4 months tolerance as their maximum allowed tollerance, for instance, if OP had been insured with us and we discovered a claim that was over 4 years ago and under 5, we give a four month tolerance

    Im just so used to seeing honest people getting screwed out of their policies that im quite a big advocate of making complaints against them, especially when or if they've been extremely rigid in cases that any reasonable person can see was an innocent mistake.. People's insurance is a big thing, not something that should be treated robotically when the consequences of cancelling policies can be so big

    BUT, TO BE FAIR... maybe my post is a bit useless in the sense that like i said - once the policy has been 'cancelled', it must always be declared - if it had been 'voided', then a complaint could've seen the voidance 'revoked', and you wouldn't need to declare it - a complaint in this case probably wouldn't 'change' anything
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