Blacklisted for car insurance

[Deleted User]

I can't understand why an insurer would cancel a policy on that basis. Worst case you provided false information and would not be eligible to claim due to the policy not being valid ... 

Barely a case for fraud considering how they tell you that any incorrect information will invalidate the policy and put the onus on the customer. Why would they care if you pointlessly bought insurance that would never be valid to claim against

angrycrow

Insurers are now very quick to cancel a policy. It used to be if false information was given they would be on the hook to pay any third party claims as rta insurers until the end of the policy period. A few years ago the law changed so now if an insurer cancels a policy they are no longer required to meet any third party claims after the date of cancellation. In view of this as soon as an insurer discovers a false disclosure serious enough to allow cancellation they will cancel the policy. 

NottinghamKnight

angrycrow said:

The problem with people trying lots of different scenarios on comparison sites is they fail to actually read the declaration that they confirm all facts are true before submitting the quote request. Each time the op entered an address that they did not live at they were making a false declaration to the insurer. Insurance works on the principle of utmost good faith between the customer and insurer. If the op has given them lots of differing and conflicting answers yet stated each one is a true statement how are the insurer supposed to know which statement is true. 

though no contract is actually formed until agreement and payment is made. I always vary the name, address age/ dob etc on each iteration but obviously use the same post code, approximate age and car type to minimise the possibility of being accused of this.

onlyfoolsandparking

I've never altered any details whilst doing comparisons APART from the policy start date/s and after reading this thread I think I'll carry on doing things the same way

Car_54

nerox said:

Barely a case for fraud considering how they tell you that any incorrect information will invalidate the policy and put the onus on the customer. Why would they care if you pointlessly bought insurance that would never be valid to claim against

If incorrect information was in fact provided, it would have been in order to make a financial gain, i.e. a lower premium. That is the very definition of fraud.

Flight3287462

nerox said:

Barely a case for fraud considering how they tell you that any incorrect information will invalidate the policy and put the onus on the customer. 

The insurer would still be on the hook if the OP wiped out a bus full of nuns and kittens.  Paying out on the OPs banger is in the main neither here nor there, it is the public liability aspect that costs them money.

sweetsand

Hi
We too can play around with insurance quotes, EG, park in garage, park on drive, who is the named driver, which car to use for business and which to use for ore miles - all scenarios are possible as we have several cars, garages to park 2 Range Rover Sized cars comfortably usually park just the RR there and keep the S class outside and park in theire the 911 and can have many on the drive but we have never encountered what the OP has.
Btw, once we are with an insurance co, we phone them up to tell them of the smallest detail. we debadged the VW R type and Range Rover to make them look less attractive.
I hope it's all sorted soon.
x

Grumpy_chap

It might be OVERFINCH.

Scrapit

Grumpy_chap said:

It might be OVERFINCH.

Which is only a company that mod rangies,  and if you go to them, urban, Khan or any of the others you aren't looking to be subtle thus not taking badges off.

NottinghamKnight

George_Michael said:

Scrapit said:

Golf r is pretty obvious without the small badges.
No benefit in debaging a RR, they all look the same barring the svr. I guess what you have written isn't true?

Don't forget that once you take the badge off a Range Rover, it could then be mistaken for an "Evoke" and is therefore far less desirable.

Not if you're looking to sell onto hairdressers.