Void car insurance - pls help?

Gagun

Really appreciate all this feed back thank you! I’m insured with Aviva PLC.

AdrianC

OK, so a quick look for Aviva's Ts and Cs for telematics found this - I don't know whether you bought through this broker or direct or what, but I doubt there's a significant difference.


https://www.bewiser.co.uk/sites/default/files/Aviva%20Telematics%20Terms%20and%20Conditions%20pre%20November%202017_0.pdf


So the key points...
* 50%+ above the speed limit = cancellation.
* Driving information is recorded against policyholder not "alleged driver".
* Score of -6 to -10 = "high risk", 4x "high risk" in 30 days = cancellation. (2x = monitoring, potential extra premium. 3x = £100 penalty, failure to pay = cancellation).


It's all very clear, and named drivers are explicitly the policyholder's responsibility.

DoaM

AdrianC wrote: »

So the key points...
* 50%+ above the speed limit = cancellation.
* Driving information is recorded against policyholder not "alleged driver".
* Score of -6 to -10 = "high risk", 4x "high risk" in 30 days = cancellation. (2x = monitoring, potential extra premium. 3x = £100 penalty, failure to pay = cancellation)..

Hopefully they didn't actually word it that way.

(It's a contractual charge, not a penalty .. an insurance company has no lawful authority to apply a penalty).

Ant555

chrisw wrote: »

Your best bet is to speak to the insurance company to see if they will either accept a change to your policy ie, remove your dad and continue the policy, or you cancel it before their cancellation kicks in, which might cost you, but avoid future problems.

This is absolutely the best thing to do in my opinion, despite the cost
We have a MoreThan SmartWheels black box and the rules are similar.

I did think that if we got a cancellation notice we would cancel ourselves as my 18 year old son would be saddled with the potential burden of a cancelled policy for a long time as the question is usually 'have you EVER had insurance cancelled'

How long have you had the policy?

AstroTurtle

DoaM wrote: »

Hopefully they didn't actually word it that way.

(It's a contractual charge, not a penalty .. an insurance company has no lawful authority to apply a penalty).

Well a penalty definition is
a punishment imposed for breaking a law, rule, or contract.

And an insurance policy is a contract.

However it depends on whether OP got the Aviva scheme direct or through another Insurer/Broker and Aviva is just the ultimate insurer as Aviva have a few telematics schemes floating around.

macman

So, was he doing 45 mph in a 30mph limit, or 105mph in a 70mph limit?

DoaM

AstroTurtle wrote: »

Well a penalty definition is
a punishment imposed for breaking a law, rule, or contract.

Definition from where?

Under UK contract law it is not permissible for a company to apply penalty terms on a consumer, and I don't believe insurance contracts are excluded from this. (Business to business is a different matter)

deanos

I would ask exactly where the incident happened and check if the data is correct , these telematics have a habbit of recording duff data , i know as my work vehicle has telematics and its often wrong and have proved this myself many times eg saying its a 20 zone when its actually a 40 so that's twice the speed limit

Another thing where it can cause wrong data is going down a dual carriageway which is 70 but has a side road running alongside which is a 30 for example it thinks you are on the 30 road not the dual carriageway