Dual insurance vehicle previous owner 18 January at 1:48PM in Reclaim PPI & other insurance 3 replies 135 views

Janeyjane

I purchased a car, insured it fully comprehensive.  It was destroyed by arsenal attack (other vehicles too in my town second time too), my insurer tells me the previous  owner is also insured as he forgot to cancel. What is my best route of action now? 50% from each insurance company?

Ebe_Scrooge

Those Arsenal fans are right hooligans!

I would suggest the best course of action for you is to take advice from your insurance company.  It often gets messy in situations such as this where a previous owner forgets to cancel their insurance.  Really, as far as you're concerned, you claim off your insurance, then it's down to them whether they want to try and recover some or all of their losses from the other company.

silvercar

Agree with Ebe, it is going to be a claim on your policy anyway, so let your insurer fight with the other insurer privately if they want to. It isn't your role to decide who should pay. You took out insurance to cover you, if your insurer feels they should fight the cost then let them fight it themselves.

DullGreyGuy

Janeyjane said:

I purchased a car, insured it fully comprehensive.  It was destroyed by arsenal attack (other vehicles too in my town second time too), my insurer tells me the previous  owner is also insured as he forgot to cancel. What is my best route of action now? 50% from each insurance company?

As above, your insurer should settle your claim and may attempt a recovery from the other insurer however the other insurer will state that there are a range of indemnity issues and therefore resist a claim against the first party section of the policy.