car insured-driver uninsured

Barny1979

sunsun wrote: »

no , police was not involved. The third party claimed to insurance.
My mate returned the car to my friend and explained the situation.

Oh, that's ok then :mad:

Rainbowgirl84

If the police haven't been involved it's unlikely their licence is at risk.

angrycrow

To those saying letting an uninsured driver drive would give the insurer the right to cancel the policy unless specifically stated in the policy terms this is not the case.

I have never seen a motor policy document that includes such a clause and I have reviewed a lot of motor policy documents. Happy to be proved wrong if some one can produce a copy of a policy wording with this clause.

Rainbowgirl84

angrycrow wrote: »

To those saying letting an uninsured driver drive would give the insurer the right to cancel the policy unless specifically stated in the policy terms this is not the case.

I have never seen a motor policy document that includes such a clause and I have reviewed a lot of motor policy documents. Happy to be proved wrong if some one can produce a copy of a policy wording with this clause.

Insurers are not required to give a reason for all scenarios as to when and for what reason they can cancel a policy....there is no law that requires that. Get your fact straight before giving wrong advice.

ObsessiveOverThinker

Angrycrow Have a look at a car insurance policy booklet and check the 'cancellation' section, which informs the customer of their rights to cancel and also the insurer's rights to cancel.

They usually advise they may invoke cancellation for a valid reason. And as allowing an uninsured driver to use the vehicle is breaking the law and a breach of the policy terms and conditions; this is a considered to be a valid reason.

angrycrow

So you are suggesting an insurer can cancel a policy giving no reason which will effect the person's ability to get insurance from that day on but they are not required to give a reason.

Would love to see the fos ruling on that scenario.

Hardly treating the customer fairly is it.

Rainbowgirl84

angrycrow wrote: »

So you are suggesting an insurer can cancel a policy giving no reason which will effect the person's ability to get insurance from that day on but they are not required to give a reason.

Would love to see the fos ruling on that scenario.

Hardly treating the customer fairly is it.

The reason for cancellation is very clear here. Effect?...do you mean affect?

Rainbowgirl84

angrycrow wrote: »

So you are suggesting an insurer can cancel a policy giving no reason which will effect the person's ability to get insurance from that day on but they are not required to give a reason.

Would love to see the fos ruling on that scenario.

Hardly treating the customer fairly is it.

The customer is the one who has screwed up here and left the insurance company with costs...which they will rightly chase to be paid back.

csgohan4

angrycrow wrote: »

So you are suggesting an insurer can cancel a policy giving no reason which will effect the person's ability to get insurance from that day on but they are not required to give a reason.

Would love to see the fos ruling on that scenario.

Hardly treating the customer fairly is it.

The customer is also hardly treating the insurer fair either. As the responsible car and insurance holder they did not check valid license or valid insurance, any reputable insurer are within their rights to refuse cover due to negligence. Its like leaving your car keys in the ignition and letting it get stolen.

sunsun

I am looking for an advise again for my mate.
He has received the settlement now, and the claim handlers trying to recover the sum of 7000 they have paid by third party claim to the other party. To fix the car cost was 1600, other expenses were personal injury and solicitor fees.the letter they have sent was of a one page with no any other explanation or info, just asking to pay within 14 days.
This is a bit odd... my friend didn't even drive or was in that car, and the other friend who was driving his car now moved abroad.
Can someone advise how to deal with this as we think it's quite absurd. Anyway he would not be able to pay this amount as he is on low income.