Car Insurance Fraud

mmmski

In 2015, I bought a second car, when I went to insure it. I thought I could use my my NCB on the second car. I thought the NCB applied to the person and not the car. BIG MISTAKE. Now I have a car insurance fraud mark against my name on the insurance database making it near enough impossible for me to get car insurance even though I have 9 yrs NCB. This was all an accident and I’m just after some information on, how long will this be held against? Is there anything I can do to clear my name? When I try talking to insurance companies they say they can’t disclose the details.

Thanks in advance.

forgotmyname

Depends on the question they ask.

If the insurer says have you in the last 5 years then its 5 years for that insurer.

If the insurer says have you ever, then it will affect you forever with that insurer.

waamo

Complain in writing to the insurance company. If the issue remains unresolved you can appeal to the insurance ombudsman.

Stoke

Although I can't offer any advice at all, it's very interesting what you've said about NCB. I also believed it was the person rather than the vehicle. After all, a vehicle doesn't lodge a claim, a person does.

Very useful to know. Thank you.

neilmcl

A bit of confusion going on here. NCB/NCD belongs to the policy holder however, it can (usually) only be applied to one car policy at a time.

neilmcl

OP, although it is entirely your fault I'd still make a formal complaint to the insurer making it clear that no fraud was intended and it was a simple mistake and you'll happy to pay for any shortfall in premium. If they don't resolve this you can then contact the Financial Ombudsman.

Stoke

neilmcl wrote: »

OP, although it is entirely your fault I'd still make a formal complaint to the insurer making it clear that no fraud was intended and it was a simple mistake and you'll happy to pay for any shortfall in premium. If they don't resolve this you can then contact the Financial Ombudsman.

This is how my former partner went about it when she went through a similar mistake. She forgot to declare that a named her driver (her dad) had been involved in a minor non-fault accident about 2 years earlier. Insurance database flagged it up, and Diamond Insurance got very funny with her via two very strongly worded 'threaty' letters. Couple of phone calls later, she offered to pay the difference and all was resolved. Job sorted. She doesn't have to answer that 'insurance cancelled' question with a yes.