Car Insurance claim final response

Muneymuneymuney

I had my insurance cancelled and my claim voided as they found modifications I had no knowledge of , they classed it as a deliberate misrepresentation, they have not overturned this original indemnity decision and classed me as carless misrepresentation, they have instructed the claims team to proceed with the claim for it to be settled under normal conditions of the policy  ,

 does this mean my insurance is still cancelled ? And does this mean that there will be possible additional premiums retrospectively ? As if it is still cancelled and not allowed to run term then I’ll never be able to afford insurance again 

cheers for any help 

born_again

Better off asking in motoring forum.

You would really need to ask the ins co if they are still cancelling the policy and it's impact. As you might have a complaint that you could take to FOS.

Muneymuneymuney

Sorry now* overturned 

user1977

born_again said:

Better off asking in motoring forum.

Probably better on the Insurance one: https://forums.moneysavingexpert.com/categories/insurance-life-assurance

Sandtree

Muneymuneymuney said:

does this mean my insurance is still cancelled ? And does this mean that there will be possible additional premiums retrospectively ? As if it is still cancelled and not allowed to run term then I’ll never be able to afford insurance again 

On the basis they are settling the claim then it sounds like they arent cancelling the policy but you clearly need them to confirm that.

Technically they cannot force you to pay additional premiums however it can often be sensible to do so. If you dont pay any additional premiums then they are entitled to reduce your settlement by the percentage of unpaid premiums... ie if your original premiums were £400 and with the modes it would have been £600 then they can deduct 1/3 from your settlement. 

Jenni_D

https://forums.moneysavingexpert.com/discussion/6273473/car-insurance-final-response#latest

This thread is already in Motoring.