Insurance Refusing to settle

FaizanKhan

Insurance fraud? Thats a big accusation, especially without no solid evidence.

SHAFT

FaizanKhan wrote: »

Insurance fraud? Thats a big accusation, especially without no solid evidence.

If they consider the theft of an uninsured vehicle a loss then you've made a false declaration to obtain your insurance policy. And that my son is fraud.

Aylesbury_Duck

FaizanKhan wrote: »

Insurance fraud? Thats a big accusation, especially without no solid evidence.

It looks like you've provided that evidence to us in your posts. How else would you describe not informing your insurer of an accident involving the car you later want them to insure?

Honestly, you're tying yourself in knots trying to keep up with your own story, and that's on a forum. You don't stand a chance in court if it gets that far.

FaizanKhan

Hold on guys, the insurer asks if I have had an accident before, which i answered honestly, No. they did not ask if the car had been in an accident or if my siblings have had an accident. So how is this relevant to me taking a policy fradulently?

Aylesbury_Duck

FaizanKhan wrote: »

Hold on guys, the insurer asks if I have had an accident before, which i answered honestly, No. they did not ask if the car had been in an accident or if my siblings have had an accident. So how is this relevant to me taking a policy fradulently?

What was the exact question you answered? If it was that quoted in post #53, e.g.


"Have you had any accidents, made any claims, or suffered any losses due to an accident ( in relation to a motor vehicle) in the past 5 years?"

Then answering "no" would have been dishonest.

Car_54

FaizanKhan wrote: »

Only hope now I have is chase around for CCTV/ANPR, and a few garages that Ive been to for minor things like tyres brake pads etc if they can give there word in or provide some sort of proof, been to a few local garages but they dont give receipt unless requested.
I understand the insurance wants to find any way possible not to pay, but accusing us of lying and saying theft was not real is beyond me, if such thing was planned I would have taken out GAP insurance. Im already going to be making a loss with there payout and possibility further losses if they dont even pay out!

You’ve only had the car a few months. How many “things like tyres, brake pads etc.” have you needed for a car which was your “pride and joy”? Where do you find all these garages which don’t give receipts?

SHAFT

FaizanKhan wrote: »

Hold on guys, the insurer asks if I have had an accident before, which i answered honestly, No. they did not ask if the car had been in an accident or if my siblings have had an accident. So how is this relevant to me taking a policy fradulently?

As I said.

SHAFT wrote: »

If they consider the theft of an uninsured vehicle a loss then you've made a false declaration to obtain your insurance policy. And that my son is fraud.

Nobbie1967

Good luck to the OP getting decent priced insurance after this poorly executed adventure. Insurance companies maybe greedy money grabbers, but they are not stupid.

unholyangel

FaizanKhan wrote: »

Accident was on 02 Jan 2019, back on road 23rd Jan 2019

Stolen 05 Aug 2019 from outside my house

My siblings and myself drive each others cars as we are fully comp and covered to do so, he did mention he will take it out when its insured i said its cool, i was at work when he took it out, he honestly thought i insured it already, he regrets it deeply.

If they want to do me for fraud they will need solid evidence as all they have now is assumptions, oh and some key data which even VW are confused about how its possible

You are usually only covered for other cars on fully comp if:
1) The vehicle isn't owned by a spouse/family member that lives with you
2) That its a one-off event, there's no regularity to it
3) That you have permission of the owner


If any of those fails then they'd need to be a named driver on your policy or insure the vehicle in their own name to cover their use.

facade wrote: »

That is my interpretation, a loss doesn't have to be financial

A loss doesn't have to be financial but it does have to be something of value. There is absolutely no doubt that OP did suffer a loss though, as their asset was damaged. Even if the brother paid for the repair (which doesn't seem to have put the goods back into the same condition/value as they were prior to brothers accident), the damage/loss still occurred.

SHAFT

unholyangel wrote: »

You are usually only covered for other cars on fully comp if:
1) The vehicle isn't owned by a spouse/family member that lives with you
2) That its a one-off event, there's no regularity to it
3) That you have permission of the owner


If any of those fails then they'd need to be a named driver on your policy or insure the vehicle in their own name to cover their use.




A loss doesn't have to be financial but it does have to be something of value. There is absolutely no doubt that OP did suffer a loss though, as their asset was damaged. Even if the brother paid for the repair (which doesn't seem to have put the goods back into the same condition/value as they were prior to brothers accident), the damage/loss still occurred.

Do you have a source for that in relation to vehicle insurance and the question about loss when applying for a policy?