Insurance Voided After Accident

CSI_Yorkshire

deckz said:

HillStreetBlues said:

deckz said:

In relation to your point about voidance due to accidental or careless misinformation, the insurer stated in their voidance notice email: "Had we been aware you were not the registered keeper of the vehicle we wouldn’t have been able to offer you a quotation, nor issue you a policy."

Sorry if I missed this, but have you tried a dummy quotation to test this is the case.

Hi HSB,

Apologies, but what do you mean by a dummy quotation?

HSB means pretend you are asking for a quote (fake car/address if needed), tell them that you are not the registered keeper and see if they will still give a quote (which they have say they would not) - to test they weren't lying in their reason for voidance.

HillStreetBlues

Also check the website for how the registered keeper section is worded.
I remember reading a Ombudsman's decision. The wording stated "are you or will you be the registered keeper?" The woman selected "yes" She make a claim but insurers voided she policy as she was not the registered keeper, I believe her brother was, but the bother had sold her the car.
The Ombudsman found in her favour, as it was deemed she answered the question truthfully as at some point she would be the registered keeper as that was the plan
So as OP is now registered keeper, if question was phrased like that, then that could be one option in any appeal.

deckz

CSI_Yorkshire said:

deckz said:

HillStreetBlues said:

deckz said:

In relation to your point about voidance due to accidental or careless misinformation, the insurer stated in their voidance notice email: "Had we been aware you were not the registered keeper of the vehicle we wouldn’t have been able to offer you a quotation, nor issue you a policy."

Sorry if I missed this, but have you tried a dummy quotation to test this is the case.

Hi HSB,

Apologies, but what do you mean by a dummy quotation?

HSB means pretend you are asking for a quote (fake car/address if needed), tell them that you are not the registered keeper and see if they will still give a quote (which they have say they would not) - to test they weren't lying in their reason for voidance.

Ah, understood.
I tried using their web form to make a dummy quote, and unfortunately, they indeed weren't lying when I selected business as registered keeper.

deckz

HillStreetBlues said:

Also check the website for how the registered keeper section is worded.
I remember reading a Ombudsman's decision. The wording stated "are you or will you be the registered keeper?" The woman selected "yes" She make a claim but insurers voided she policy as she was not the registered keeper, I believe her brother was, but the bother had sold her the car.
The Ombudsman found in her favour, as it was deemed she answered the question truthfully as at some point she would be the registered keeper as that was the plan
So as OP is now registered keeper, if question was phrased like that, then that could be one option in any appeal.

Hi HSB,

Thank you for the tips, but unfortunately, I have not been able to find any wording that resembles the example you have given.

The only wording from them in regard to Registered Keeper is:
The registered keeper is the person to whom the car is registered at the DVLA and whose name appears on the vehicles registration certificate and is responsible for licencing the vehicle.



Is there anything here worth grasping at here?

Many thanks.

HillStreetBlues

Sadly can't see anything. Just make sure they give you a full refund.
On the issue about do you have to declare a claim, my thoughts no, as you can't claim on an insurance you never had

EDIT have you registered the car for SORN? as if not could create problems as it's uninsured.

deckz

HillStreetBlues said:

Sadly can't see anything. Just make sure they give you a full refund.
On the issue about do you have to declare a claim, my thoughts no, as you can't claim on an insurance you never had

EDIT have you registered the car for SORN? as if not could create problems as it's uninsured.

No worries, thank you for suggesting that idea though.

I have not declared the vehicle as SORN yet.
My new V5C has yet to arrive.

This is all new to me. Once I do declare the vehicle as SORN, would I get a new V5C, or would there be a SORN document to go with my existing V5C?

And would this complicate the selling procedure once I am able to find a buyer?

HillStreetBlues

No new V5C, but will get conformation that you have it SORN.
It makes no difference to new buyer.

jimjames

deckz said:

jimjames said:

I'd suggest listing it on eBay or similar with full details and photos. Likely to get a better price than selling to one of those services as the person is likely to fix it up themselves to use or sell on. If it's not had a claim made on it and has no category marker then you may well get a higher price too as it won't be listed once repaired. Here's some similar ones listed that will not appear in adverts as damaged once fixed.

If I am to go ahead with this idea, how would you recommend me to proceed?
The examples shown on the YouTube video seem to show cars on big private lands.

Do you have any space to store it near home? If so then I'd arrange a company to move it or hire a trailer and move it yourself if you have the means to tow it. Alternatively ask the shop to take some photos or drive there to do so and list it at that location. At the right price I'd suspect it might sell quite quickly.

deckz

HillStreetBlues said:

No new V5C, but will get conformation that you have it SORN.
It makes no difference to new buyer.

Thanks.

HillStreetBlues said:

On the issue about do you have to declare a claim, my thoughts no, as you can't claim on an insurance you never had

Along this point, would my No Claims Discount also be protected since the policy was voided?

As this can be quite a serious matter, shall I open a new thread specifically to ask this question to double make sure?

HillStreetBlues

Your no clams discount would remain as you haven't claimed, but like reporting having an insurance voided you would have to declare the accident, and state claim wasn't made against your insurance policy.

No need for another thread,  but being Sunday night it can be quieter. Someone hopefully can confirm or correct that your NCB remains