Voided Car Insurance

Hasbeen

davidmcn said:

Hasbeen said:

jmrkennedy17 said:

Hi, I am hoping for some advice.  Back in January 20 my Partner had a car collision no one was injured but both cars damaged.  I was the policy holder my Partner named driver.  I rang our insurance company straight away I answered all their questions.  Last question being any points on your licence to which my response was yes I have a set of SP30's so 3 points why do you not have this on file?  I thought it was all automated these days with not having to send DVLC off anymore they all done electronically to which they replied we do no have your your DVLC details on file to do this.  I responded with yes you do and I have the email to prove it.  Long story short insurance company done a straight void on my policy for not having the points on file even though I could prove sending them my licence details and this was a genuine mistake not knowing not automated.  I then had to go and find a new insurance company to cover me which now costs me £325 a month as I have a voided policy against my name.  I sent this to the Ombudsman and they sided with the insurance company I have been so upset.  I have heard nothing from the insurance company until yesterday when I received a letter advising the claim for the third party has now been settled and I owe £23,156.00.  I have not been kept up to date throughout the claim by the insurance company they have not even sent me a break down of the £23K.  Is there anything i can do to fight this?  A genuine mistake for thinking points are automated now with DVLA been electronically and the insurance company having my dvlc details has now cost me £23K plus £325 a month for a new insurance policy.  This is so unfair and really harsh.  I work for a law firm and they are completely shocked by this.  Can anyone help me on this?  
Many thanks in advance.

What is DVLC?

Edit googled DVLC and still do not know?
Anyone?

Almost every entry on the first page of Google search results contain the answer.

Perhaps for you but mine just  reverts to DVLA
Edit got it: Home - DVLC (gotodvlc.co.uk)

Showing results for DVLA
Search instead for DVLC

Search Results

Web results

Driver and Vehicle Licensing Agency - GOV.UK

www.gov.uk › Organisations

We're the Driver and Vehicle Licensing Agency (DVLA), holding more than 49 million driver records and more than 40 million vehicle records. We collect around £6 billion a year in vehicle excise duty (VED). DVLA is an executive agency, sponsored by the Department for Transport.

‎DVLA online services: quick ... · ‎About us · ‎Research at DVLA · ‎Working for DVLA

Contact DVLA - GOV.UK

www.gov.uk › Driving and transport › Driving licences

Find the right phone number, email or postal address to contact DVLA about driving licences, vehicle tax, medical enquiries and vehicle registration.

Get vehicle information from DVLA - GOV.UK

www.gov.uk › Buy a vehicle: step by step

Check online to find out what information the Driver and Vehicle Licensing Agency ( DVLA ) holds about a vehicle. You'll need the vehicle's registration number.

davidmcn

Hasbeen said:

davidmcn said:

Hasbeen said:

jmrkennedy17 said:

Hi, I am hoping for some advice.  Back in January 20 my Partner had a car collision no one was injured but both cars damaged.  I was the policy holder my Partner named driver.  I rang our insurance company straight away I answered all their questions.  Last question being any points on your licence to which my response was yes I have a set of SP30's so 3 points why do you not have this on file?  I thought it was all automated these days with not having to send DVLC off anymore they all done electronically to which they replied we do no have your your DVLC details on file to do this.  I responded with yes you do and I have the email to prove it.  Long story short insurance company done a straight void on my policy for not having the points on file even though I could prove sending them my licence details and this was a genuine mistake not knowing not automated.  I then had to go and find a new insurance company to cover me which now costs me £325 a month as I have a voided policy against my name.  I sent this to the Ombudsman and they sided with the insurance company I have been so upset.  I have heard nothing from the insurance company until yesterday when I received a letter advising the claim for the third party has now been settled and I owe £23,156.00.  I have not been kept up to date throughout the claim by the insurance company they have not even sent me a break down of the £23K.  Is there anything i can do to fight this?  A genuine mistake for thinking points are automated now with DVLA been electronically and the insurance company having my dvlc details has now cost me £23K plus £325 a month for a new insurance policy.  This is so unfair and really harsh.  I work for a law firm and they are completely shocked by this.  Can anyone help me on this?  
Many thanks in advance.

What is DVLC?

Edit googled DVLC and still do not know?
Anyone?

Almost every entry on the first page of Google search results contain the answer.

Search instead for DVLC

...is Google's helpful option you appear to have missed

A_Lert

Did you obtain the penalty points before or after the policy start date? Remember for a renewal the policy start date is the date of renewal.

If you obtained the points after your most recent renewal then this is not grounds for the insurer voiding the policy. It may be grounds for the insurer cancelling the policy which would probably have about the same effects, but is not the same thing so if the insurer is getting that wrong it makes one think what else are they getting wrong.

Dr_Crypto

This doesn’t seem right. Picking up 3 points in the course of the policy doesn’t seem a reason to void it and refuse the payout. 

Could you post the copy of the letter from the Ombudsman? 

sheramber

In April 1990, the DVLC was renamed as the Driver and Vehicle Licensing Agency (DVLA), becoming an executive agency of Department for Transport. 

jonesMUFCforever

I have to ask myself did this really happen?
I won't be posting again until the OP (that is the original poster so nobody has to Google it) provides some evidence that this is not a made up story.

dacouch

Aretnap said:

What was the FOS rationale for rejecting your complaint? Voiding the policy entirely, as opposed to reducing the payout, implies that either

(1) They thought that your failure to declare the points was deliberate (or at least reckless), as opposed to being the result of carelessness on your part, or

(2) The insurer would not have offered you cover at all had they known about the conviction (which would be unusual if it was a single speeding ticket and you were not already in a high risk group)

If the FOS has made a final decision then it should be on here in an anonymised form

https://www.financial-ombudsman.org.uk/decisions-case-studies/ombudsman-decisions

Perhaps you could post the decision reference number so we can comment on it. (Though to be honest if the Ombudsman has made a final decision then your options are probably limited - the Ombudsman is quite consumer friendly and courts tend to need a lot of persuading to overturn its decisions.

We are not getting the full story here

Sandtree

Was the FOS decision from the adjudicator or did you reject their decision and have the case revisited by an ombudsman? Given the injury has been settled now presumably the FOS ruling was some time ago?

You are entitled to have a breakdown of the £23k but thats going to be car repairs, hire car, injury compensation, third party solicitor fees etc. Its an above average settlement (average being a single basic short soft tissue injury like whiplash) assuming there was just one occupant of the other vehicle but its still a fairly modest settlement... look over at the Motor board and you have a couple of cases recently of hire car charges alone being in the £20k region.

dunstonh

I find it very strange that just 3 points would lead to a voided policy.  Companies generally err on the side of caution with minor non-disclosure as they know the FOS will normally be more accepting of a consumer excuse that they forgot about it.      So, there has to be something bigger here that has caused it.
I wonder if it was when the claim was made.  Often you are asked to reconfirm if you have any convictions/points on the claims form (or over the phone).  If the points were not disclosed on the claims submission and not disclosed on the renewal (that bit we know they were not) then it would look more like deliberate non-disclosure.

dacouch

dunstonh said:

I find it very strange that just 3 points would lead to a voided policy.  Companies generally err on the side of caution with minor non-disclosure as they know the FOS will normally be more accepting of a consumer excuse that they forgot about it.      So, there has to be something bigger here that has caused it.
I wonder it if was when the claim was made.  Often you are asked to reconfirm if you have any convictions/points on the claims form (or over the phone).  If the points were not disclosed on the claims submission and not disclosed on the renewal (that bit we know they were not) then it would look more like deliberate non-disclosure.

My money is on the OP getting quotes from comparison sites at renewal time with convictions either disclosed or running dummy quotes with and without the convictions and the Insurer picking up on this and regarding it as demonstrating intention to mislead.

More info needed