Help! Car stolen, Insurance hadn't auto renewed!

user1977

elsien said:

TooManyPoints said:

Surely everybody can remember their NI number, can't they? I also can remember my credit card number, expiry date and security code, my main bank account sort code and account number as well as my online login 

Short answer is no, no and no.
The slightly longer answer is why would I need to remember a NI number I need once every few years, if that? 
I have a multitude of bank accounts and credit cards and not a scooby for any of them off the top of my head.

I don't think "need" comes into it, we don't have a choice about what lodges in our heads. The only bank account number I have ever reliably remembered (and still can) is my very first one, which only existed in the 1980s. Similarly, I can remember registration numbers of parents' cars scrapped decades ago, but struggle to be as certain about the reg of my car (owned for about six years...).

Username03725

Am I the only one incredulous at the idea that someone who has the economic viability to buy and run a £65k car thinks that hiding behind ‘not being on top of admin’ is a reasonable defence? Arriving at a station in life where your car is worth that much and you don’t notice the insurance payment not going out, and you just shrug and say 'the admin is too difficult so I ignore it'? 

Doesn’t add up for me, sorry. Being responsible for 65 grand's worth of car involves more than glancing at emails and making assumptions. The rest of us check check and check again because of the implications of not being insured. A glance, a shrug and a failure to notice that the premium hasn’t been taken 3 months on is a dereliction. You really don’t have a leg to stand on.

teachfast

We need to see the header and content of the email/s to judge. 

ElefantEd

Grumpy_chap said:

ElefantEd said:

If the Ombudsman does tell the insurance company that they are obliged to retrospectively cover the OP, would the insurers be entitled to ask for the premium? And if so, what's to stop them saying "If we were going to insure this car, which we normally wouldn't, we would charge £25k"?

The car was worth £65k
A premium of £25k still leaves the OP £40k to the better.

Sorry, I misremembered the cost of the car. Rephrase my question to be "charge £65k", because that's what I'd do if I were eh insurance company and was told to insure a car I didn't want to insure!

AdrianC

ElefantEd said:

Grumpy_chap said:

ElefantEd said:

If the Ombudsman does tell the insurance company that they are obliged to retrospectively cover the OP, would the insurers be entitled to ask for the premium? And if so, what's to stop them saying "If we were going to insure this car, which we normally wouldn't, we would charge £25k"?

The car was worth £65k
A premium of £25k still leaves the OP £40k to the better.

Sorry, I misremembered the cost of the car. Rephrase my question to be "charge £65k", because that's what I'd do if I were eh insurance company and was told to insure a car I didn't want to insure!

...knowing there's a £65k theft claim following right after the premium's paid...

motorguy

teachfast said:

We need to see the header and content of the email/s to judge. 

^^^^^^^^^^^^^^^^
This

I previously asked for it from the OP as it could help greatly, but so far they havent taken a screen shot and posted it.

Langtang

motorguy said:

teachfast said:

We need to see the header and content of the email/s to judge. 

This
I previously asked for it from the OP as it could help greatly, but so far they havent taken a screen shot and posted it.

I asked too, after posting the heading from our recent refusal of insurance email. 

I am assuming that he is a very busy guy, with a high powered job that affords little time to drop into “chat rooms”. Ever the optimist. 

born_again

Langtang said:

motorguy said:

teachfast said:

We need to see the header and content of the email/s to judge. 

This
I previously asked for it from the OP as it could help greatly, but so far they havent taken a screen shot and posted it.

I asked too, after posting the heading from our recent refusal of insurance email. 

I am assuming that he is a very busy guy, with a high powered job that affords little time to drop into “chat rooms”. Ever the optimist. 

Already admitted that admin is not high on their list, so probably forgotten all about this thread...

Last Active

14 May at 3:57PM

sheramber

Or didn't get  the support he hoped for.

motorguy

sheramber said:

Or didn't get  the support he hoped for.

What support can he get though?  He'd no insurance, he'd his tracker switched off, his car was stolen?

Theres no easy way out of that.

The only potential is we can see the wording of the email / email heading and see if there is any hope there around misinterpretation and then help point him to the relevant ombudsman / support groups.

Also if its on finance, he needs to inform the finance company.

Also there may be further actions he can take RE: the police.

But thats already been said so i cant see how else people could have helped?