IMPORTANT REMINDER: Please make sure your posts do not contain any personally identifiable information. If you are uploading images, please take extra care that you have redacted all personal information.

Dad had car accident but he'd failed to renew insurance

in Motoring
40 replies 2.7K views
24

Replies

  • SandtreeSandtree Forumite
    7.9K Posts
    1,000 Posts Second Anniversary Name Dropper
    ✭✭✭✭
    Aretnap said:


    If you (or your dad) can persuade the Ombudsman that it was reasonable for him to think that his insurance would automatically renew, the insurer may have to cover his costs regardless of the fact that it didn't. 
    We are dealing with someone with early onset dementia, surely all bets are off as to whether the OPs dad was told, he could have been told 10 tens and deleted the lot and can never remember a thing about it.
    Whilst thats true its also correct that the customer states that their memory is X and its up to the insurer to prove that the memory is wrong.

    The route to the ombudsman however is via the insurers own complaints process and so its worth having a conversation, with the policyholder's permission, to find out what has happened with renewals. 
  • edited 24 November 2021 at 2:29PM
    BelenusBelenus Forumite
    2K Posts
    Seventh Anniversary 1,000 Posts Name Dropper
    ✭✭✭✭
    edited 24 November 2021 at 2:29PM
    Aretnap said:


    If you (or your dad) can persuade the Ombudsman that it was reasonable for him to think that his insurance would automatically renew, the insurer may have to cover his costs regardless of the fact that it didn't. 
    We are dealing with someone with early onset dementia, surely all bets are off as to whether the OPs dad was told, he could have been told 10 tens and deleted the lot and can never remember a thing about it.
    The Insurance Company should have a record of any communication about renewal be it letter, email, text or phone call etc.
    A man walked into a car showroom.
    He said to the salesman, “My wife would like to talk to you about the Volkswagen Golf in the showroom window.”
    Salesman said, “We haven't got a Volkswagen Golf in the showroom window.”
    The man replied, “You have now mate".
  • emmajones1976emmajones1976 Forumite
    1.1K Posts
    1,000 Posts Name Dropper
    ✭✭✭
    On the balance of all probabilities he was likely told, thats the stark reality.
  • ThrugelmirThrugelmir Forumite
    86.3K Posts
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    ✭✭✭✭✭✭
    Aretnap said:


    If you (or your dad) can persuade the Ombudsman that it was reasonable for him to think that his insurance would automatically renew, the insurer may have to cover his costs regardless of the fact that it didn't. 
    We are dealing with someone with early onset dementia, surely all bets are off as to whether the OPs dad was told, he could have been told 10 tens and deleted the lot and can never remember a thing about it.
    The insurance company should have been informed of the diagnosis. A material fact that would have had impact on renewal if not much earlier. 
    Real insurance claim quote : -

    "Going to work at 7am this morning I drove out of my drive straight into a bus. The bus was 5 minutes early.".
  • emmajones1976emmajones1976 Forumite
    1.1K Posts
    1,000 Posts Name Dropper
    ✭✭✭
    Aretnap said:


    If you (or your dad) can persuade the Ombudsman that it was reasonable for him to think that his insurance would automatically renew, the insurer may have to cover his costs regardless of the fact that it didn't. 
    We are dealing with someone with early onset dementia, surely all bets are off as to whether the OPs dad was told, he could have been told 10 tens and deleted the lot and can never remember a thing about it.
    The insurance company should have been informed of the diagnosis.
    I dont think he had been diagnosed yet, judging by the wording of the opening post
  • born_againborn_again Forumite
    7K Posts
    1,000 Posts Second Anniversary Name Dropper
    ✭✭✭✭
    Who was your fathers ins co?
    Life in the slow lane
  • AretnapAretnap Forumite
    4.4K Posts
    Tenth Anniversary 1,000 Posts Name Dropper
    ✭✭✭✭
    On the balance of all probabilities he was likely told, thats the stark reality.
    He was almost certainly told. However if you read the FOS cases that I linked to, you'll see that it's not necessarily enough that he was told. The insurer has a responsibility to tell the customer clearly, prominently and often enough that he is unlikely to miss the fact that he is about to be left uninsured (paraphrasing slightly, but that's the gist). Did the insurance company do that? I have no idea, but it is worth a little of the OP's time to find out. 
  • SandtreeSandtree Forumite
    7.9K Posts
    1,000 Posts Second Anniversary Name Dropper
    ✭✭✭✭
    Aretnap said:
    On the balance of all probabilities he was likely told, thats the stark reality.
    He was almost certainly told. However if you read the FOS cases that I linked to, you'll see that it's not necessarily enough that he was told. The insurer has a responsibility to tell the customer clearly, prominently and often enough that he is unlikely to miss the fact that he is about to be left uninsured (paraphrasing slightly, but that's the gist). Did the insurance company do that? I have no idea, but it is worth a little of the OP's time to find out. 
    Certainly worth checking, however the "told enough" is only applicable if the insurer switched them from auto renewal to manual renewal this year. If hes been on annual renewal for years or just switched insurers and opted out of autorenewal etc then there is no extra requirement on the insurer (though most do chase manual renewal customers whereas let autorenewals go through as quietly as possible)
  • edited 24 November 2021 at 5:10PM
    elsienelsien Forumite
    26.9K Posts
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    ✭✭✭✭✭
    edited 24 November 2021 at 5:10PM
    Aretnap said:


    If you (or your dad) can persuade the Ombudsman that it was reasonable for him to think that his insurance would automatically renew, the insurer may have to cover his costs regardless of the fact that it didn't. 
    We are dealing with someone with early onset dementia, surely all bets are off as to whether the OPs dad was told, he could have been told 10 tens and deleted the lot and can never remember a thing about it.
    No one has mentioned early onset dementia. What they have referenced is early signs that may be dementia but there is no mention of any formal diagnosis.
     
    All shall be well, and all shall be well, and all manner of things shall be well.

    Pedant alert - it's could have, not could of.
Sign In or Register to comment.
Latest MSE News and Guides

Covid pass scam robbed grandfather of £25k

He got his money back after MSE intervened

MSE News

20,000 FREE Ideal Home Show tickets

For London, Fri 11 Mar to Sun 27 Mar

MSE Deals