Car Insurance Cancelled Ombudsman

RoxyRocky

There seems to be a lot of these recently including me.

I have two cars. Insured with different companies.

Car A was involved in a no fault accident. Other side admitted it. All good, no loss of no claims.

Was reinsuring car B and did not mention this. Didn't think about it. Just rolled insurance forward when they sent a reasonable quote (albeit not quite as cheap as another company but for the convenience ...) There was no intent to defraud.

Some months later I got a message from car B's insurers cancelling insurance.I appealed but they turned me down. Seems very harsh.

I now want to go to the Ombudsman. Does anyone have any advice on what to emphasise and what redress I could get? I don't want money refund just want to get this off my record.I have read the Ombudsman's paperwork. Just wanted any tips.

Thank you.

Quentin

The process for getting the FOS involved should have been set out in the reply you got to your original complaint


But if you didn't make a complaint, then you need to do so now


Then if you don't get the result you want, you can then escalate to the FOS.




Don't hold your breath!


If all you are complaining about is your "trashed" record, then unlikely it will be upheld!

kelevraz

RoxyRocky wrote: »

There seems to be a lot of these recently including me.

I have two cars. Insured with different companies.

Car A was involved in a no fault accident. Other side admitted it. All good, no loss of no claims.

Was reinsuring car B and did not mention this. Didn't think about it. Just rolled insurance forward when they sent a reasonable quote (albeit not quite as cheap as another company but for the convenience ...) There was no intent to defraud.

Some months later I got a message from car B's insurers cancelling insurance.I appealed but they turned me down. Seems very harsh.

I now want to go to the Ombudsman. Does anyone have any advice on what to emphasise and what redress I could get? I don't want money refund just want to get this off my record.I have read the Ombudsman's paperwork. Just wanted any tips.

Thank you.

It's a non-disclosure followed by a policy cancellation. Your insurer will need to show that they wouldn't have offered you cover at all if you had told them about the non-fault. Its actually really as simple as that

[Deleted User]

kelevraz wrote: »

It's a non-disclosure followed by a policy cancellation. Your insurer will need to show that they wouldn't have offered you cover at all if you had told them about the non-fault. Its actually really as simple as that

That will be reassuring to a lot of people. But why would an insurance company cancel a policy if they know they are out of order doing so?


It seems, from reading the many posts here, that insurance cancellation, and the operation of the associated database, is an issue crying out to be looked at by the regulator.