Insurance Voided After Accident
Dear forum members,
I seek your advice regarding an issue with my motor insurance policy that has been recently voided. Any help would be greatly appreciated.
The policy, registered under my name and personal address, has been voided due to a discrepancy with the registered keeper's details, which are in the name of a company of which I am a director.
Almost 2 months ago, I was involved in an accident. Subsequently, my vehicle has been retained in a repair garage, and the estimated cost for repairs has been forwarded to my insurance company.
Rather frustratingly, for almost two months, the insurer demanded various documents one by one, rather than asking for all the necessary paperwork at once, causing a significant accumulation of car storage fees at the repair garage.
Following this prolonged period of back and forth, my insurer issued a voidance notice, refusing to cover the repair costs. In the policy details, I clearly stated that the legal owner of the vehicle is a company. Although the insurer did not allow me to input the company's specific details when I was filling out the policy, this information remains present in the car insurance documents.
At the time of the accident, I was fully insured by the company. They honoured their obligations by arranging the recovery of my car and organising a taxi to transport me home. However, they decided to nullify the policy when it came to covering repair costs.
To avoid future complications, I've updated the V5C details through the DVLA, transferring the registered keeper to myself, under my personal name and address. During this process, I realised that I could backdate this change to the date of vehicle purchase, which I proceeded to do as it accurately reflects the real situation.
Given these circumstances, I would greatly appreciate it if anyone could provide some insight into whether I have a viable case for an appeal or grounds to bring this matter before the financial ombudsman?
Thank you for your assistance.
Policyholder's name and address: My personal name and address.
Vehicle owner: The company
V5C Document details: Initially the company's name and address, but now updated to my personal name and address and backdated to the vehicle's date of purchase.
Seeking advice on next steps for damaged vehicle - insurance voided:
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