Car insurance cancelled due to non-disclosure

jonnyhtfc90

My new insurer has cancelled my policy due to a non-disclosure.

The circumstances are, I own and drive two vehicles (car and motorhome).

When renewing my motorhome policy I failed to declare a claim made by a named driver on my car policy (claim made on their insurance for an accident in their vehicle).

This driver is not named on my motorhome policy (or my car policy any longer for that matter), however the claim was shown on my NCB proof document I used to renew my motorhome insurance, and the insurer has picked it up and cancelled.

Completely my error, but one made in good faith, I had no intention to defraud anybody. It's a human error, simple as that.

I am mortified that I have to declare this for the rest of my life... what can I do?

dunstonh

I am mortified that I have to declare this for the rest of my life... what can I do?

Very little if it is a clear case of non-disclosure by answering the questions incorrectly. 
   
You could take a read of the question as it was asked and see if there was the potential for misunderstanding and argue your point.   i.e. if the question was unclear about other drivers on your policy.

Sea_Shell

How/why are you using ncd from your car on your motorhome?

Are you sure this person had a claim in their own car, not yours, as why else would it show on your ncd record??

I can see why you'd have to declare their claim to your car insurer, if they're a named driver, but not if they're not named as a driver of the MH.

Are both vehicles with the same insurer?

I think wires have got crossed somewhere.

jonnyhtfc90

Sea_Shell said:

How/why are you using ncd from your car on your motorhome?

Are you sure this person had a claim in their own car, not yours, as why else would it show on your ncd record??

I can see why you'd have to declare their claim to your car insurer, if they're a named driver, but not if they're not named as a driver of the MH.

Are both vehicles with the same insurer?

I think wires have got crossed somewhere.

They asked when quoting how many NCB I had on my other vehicle so I answered.

Yes, the claim was not made in my car (I would recall if somebody else had had an accident in m vehicle...)

I didn't know it had gone on my record until I received confirmation of my NCB.

Different insurer for each vehicle.

Sandtree

jonnyhtfc90 said:

I failed to declare a claim made by a named driver on my car policy (claim made on their insurance for an accident in their vehicle).

This is very difficult to read and interpret exactly what you mean... if the ND had a claim on their own insurance in their own vehicle and it never touched your insurance other than to declare at renewal in relations to the ND's history then this wouldn't be declarable to the MotorHome insurers but then I wouldn't expect that to show on your NCD record in any way shape or form either. 

If the ND had a claim on your policy and you have subsequently removed them then yes this forms part of your insurance record and so should have been declared 

They can only cancel the policy if it was intentional or reckless to not make the declaration... if it was careless then they can only cancel if they wouldn't have insured you had the correct declaration been made from the outset.

Sea_Shell

jonnyhtfc90 said:

Sea_Shell said:

How/why are you using ncd from your car on your motorhome?

Are you sure this person had a claim in their own car, not yours, as why else would it show on your ncd record??

I can see why you'd have to declare their claim to your car insurer, if they're a named driver, but not if they're not named as a driver of the MH.

Are both vehicles with the same insurer?

I think wires have got crossed somewhere.

They asked when quoting how many NCB I had on my other vehicle so I answered.

Yes, the claim was not made in my car (I would recall if somebody else had had an accident in m vehicle...)

I didn't know it had gone on my record until I received confirmation of my NCB.

Different insurer for each vehicle.

So, to be clear did you send them a copy of your last car renewal "schedule"/ notice that said something like...

Named Drivers : Bob Smith (1 accident declared)

Rather than "proof of NCD" as a separate document.

It sounds like someone has misinterpreted this at the MH insurer end...so I'd be escalating this to a supervisor etc., As from what you've said, it didn't need to be declared, if they were not being named as a driver of the MH, and has no bearing.

Good luck!

jonnyhtfc90

Thank you for all of your advice.

To confirm, named driver had an accident in their own vehicle and claimed on their own insurance. They are not named on my new motorhome policy.

I sent my proof of NCD, which listed;
-A claim I made in 2019, which I declared.
-Claim made by my named driver in 2020, which I didn't declare.

I took this up with my car insurer when they issued the document, they reassured me it was OK. I will get back in touch with the insurer.

Thanks again.

Sea_Shell

Please let us know how you get on.

jonnyhtfc90

A webchat advisor has informed me that "if you can get confirmation from your insurer to confirm that the accident was not in your vehicle and the claim was no made under your policy then we can look into to see what we can do and if the insurers will continue cover".

The old insurer is Diamond, so part of Admiral. Not much hope of getting any further...

[Deleted User]

Webchat is a waste of time, get proof and start a formal complaint to get the cancellation removed, escalate to the ombudsman if necessary 

jonnyhtfc90

Deleted_User said:

Webchat is a waste of time, get proof and start a formal complaint to get the cancellation removed, escalate to the ombudsman if necessary 

I did think this but Admiral's complaint policy is to get back to you within 8 weeks.
I've obtained a more detailed copy of my NCB document which shows that the claim was made by another driver. I'll submit this to my new insurer and go from there.