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  • FIRST POST
    • slug56
    • By slug56 5th Jan 18, 12:25 AM
    • 3Posts
    • 1Thanks
    slug56
    Car insurance fraud marker
    • #1
    • 5th Jan 18, 12:25 AM
    Car insurance fraud marker 5th Jan 18 at 12:25 AM
    Hello,

    A couple of weeks ago, I sorted out my car insurance for the forthcoming year and my new policy with a well-known insurer started a week ago. Today I received an email stating my insurance will be cancelled on 11th January because a validation check has identified "a change in my circumstances".

    I called up and apparently a fraud marker was present against my name because several quotes were done in my name against different addresses. This is apparently called a "New Policy Quote Scam", where fraudsters will find the cheapest postcode and take out their insurance against this.

    The catch here is that I did carry out quotes at different addresses in my name, but with (I think) good reason: I'm hoping to be moving house in a couple of months and I wanted an indicative view of how much my insurance might change in price between different areas. Not only this, but I thought an insurance quote would be a good metric to compare different areas. For example, one area came back as £500, whilst another at £2000. Pretty telling. At no point have I attempted to obtain insurance against any address but my own.

    I explained this to the company and even offered to share my spreadsheet where I used this information to compare different areas where i might end up living. I explained that I've always taken out car insurance with genuine details and I've never attempted to defraud the system. Unfortunately, the presence of the marker alone is enough for the company not to entertain insuring me (again - they were my insurer last year too) by cancelling this new policy.

    I feel extremely bitter, because I've done nothing fraudulent or illegal. I might have made an honest mistake in triggering the fraud flag, but I'm not sure how I was meant to know. The company aren't paying attention to my rationale and say they will refuse to insure me for the next 12 months. The next cheapest insurer for me is £300 more expensive and now I'm worried sick that any company will just turn around and say the same thing, since the quotes were done through a comparison site and thus hitting all of their quote systems.

    I feel like I'm being treated as a fraudster when I'm really not. Do I have any ground to stand against their decision to refuse me insurance and you think the financial ombudsman might have anything to say on the matter if I go through their own complaints procedure to no avail?

    Thanks.
    Last edited by slug56; 05-01-2018 at 12:35 AM. Reason: Clarification
Page 1
    • BoGoF
    • By BoGoF 5th Jan 18, 6:38 AM
    • 3,198 Posts
    • 2,516 Thanks
    BoGoF
    • #2
    • 5th Jan 18, 6:38 AM
    • #2
    • 5th Jan 18, 6:38 AM
    Not much use to you now but may help others - never use your real details when playing with comparison sites. Create a dummy profile.
    • paddyandstumpy
    • By paddyandstumpy 5th Jan 18, 8:25 AM
    • 1,055 Posts
    • 516 Thanks
    paddyandstumpy
    • #3
    • 5th Jan 18, 8:25 AM
    • #3
    • 5th Jan 18, 8:25 AM
    An insurer had no obligation to insure you so you cannot !!!8216;force!!!8217; them to do anything.

    If they are unwilling to listen to your justification then you!!!8217;ll have to move along to the next one.

    Have you offered to send the m a copy of your driving licence and log book which will show your current address (which is the one I assume is on the policy)?
    • Quentin
    • By Quentin 5th Jan 18, 8:41 AM
    • 35,808 Posts
    • 20,058 Thanks
    Quentin
    • #4
    • 5th Jan 18, 8:41 AM
    • #4
    • 5th Jan 18, 8:41 AM
    When completing online quotes you do agree the information given is the truth.

    Clearly yours wasn't if you stated different addresses where the car would be kept.

    There is no reason why you shouldn't try to get this removed from the record by trying s complaint which you can escalate to the FOS for their adjudication if you are unhappy with the reply or they ignore you for 8 weeks.

    As cancelled policies usually have to be disclosed for evermore it's worth trying anything to get it reinstated.

    In the meantime you do need to disclose this to any new insurer you approach now, and as most online off the peg insurers generally won't quote with this in your history you could try a local broker ( not Swinton) to see if they are able to get cover for you
    • Matt Jones
    • By Matt Jones 5th Jan 18, 9:09 AM
    • 19 Posts
    • 40 Thanks
    Matt Jones
    • #5
    • 5th Jan 18, 9:09 AM
    • #5
    • 5th Jan 18, 9:09 AM
    Man that's pretty harsh. I get why they'd flag it but seemingly not listening to what is imo a justified explanation is harsh.
    • Sparx
    • By Sparx 5th Jan 18, 8:32 PM
    • 893 Posts
    • 493 Thanks
    Sparx
    • #6
    • 5th Jan 18, 8:32 PM
    • #6
    • 5th Jan 18, 8:32 PM
    Very harsh OP indeed - I think you have perfectly reasonable explanation for what you was looking to achieve.

    I would ask to log a formal complaint and follow this through to the FOS if necessary.
    • slug56
    • By slug56 5th Jan 18, 10:20 PM
    • 3 Posts
    • 1 Thanks
    slug56
    • #7
    • 5th Jan 18, 10:20 PM
    • #7
    • 5th Jan 18, 10:20 PM
    Thanks all for the great advice. Here's a bit of an update: I wrote a lengthy email explaining the whole situation and attached some evidence to back up my claims. I emailed it to the senior person from who my automated cancellation email was signed off. I also copied in the CEO... I then also sent it to the person who originally dealt with me and to the underwriters directly.

    This got me a near instantaneous reply saying my case would be looked in to. I got a phone call saying there was still little that could be done, but I persisted and eventually they agreed to continue with my insurance cover. I think what changed their minds was being able to show them how I'd used the quote information in the spreadsheet that I'd created.

    I've had to do a lot of pleading and grovelling but I'm incredibly releived that my insurance will not be cancelled. That would have been too much stress and cost!

    Thanks again for all the help and comments.
    • Sparx
    • By Sparx 6th Jan 18, 1:31 PM
    • 893 Posts
    • 493 Thanks
    Sparx
    • #8
    • 6th Jan 18, 1:31 PM
    • #8
    • 6th Jan 18, 1:31 PM
    Happy days! They were stupid in the first place. You could've gone to the FOS anyway.

    They likely knew they would lose based on their daft assumptions and trigger happy processes.
    • EdGasketTheSecond
    • By EdGasketTheSecond 6th Jan 18, 4:06 PM
    • 579 Posts
    • 314 Thanks
    EdGasketTheSecond
    • #9
    • 6th Jan 18, 4:06 PM
    • #9
    • 6th Jan 18, 4:06 PM
    Not much use to you now but may help others - never use your real details when playing with comparison sites. Create a dummy profile.
    Originally posted by BoGoF
    I have not found that works. They have ways of validating information and if you try and get a quote for 'Fred Flintstone' then the quotes come back much more expensive than with genuine names and addresses.

    The OPs position raises an interesting question of what happens if someone else uses your name and address for quotes and gets you a fraud marker? Good idea for a vindictive neighbour.
    • Dandytf
    • By Dandytf 8th Jan 18, 1:56 PM
    • 1,262 Posts
    • 407 Thanks
    Dandytf
    I!!!8217;m considering changing providers since I was advised a marker was placed by another provider after I forgot to add a non fault claim last year.
    Another provider has since advised over tel recently that if I add the non fault claim to quote then it won!!!8217;t be cancelled.
    sc dmp 2012 13k
    Jan 2018 8840 paid. 60% approx.
    • Comms69
    • By Comms69 8th Jan 18, 2:04 PM
    • 2,970 Posts
    • 2,939 Thanks
    Comms69
    I have not found that works. They have ways of validating information and if you try and get a quote for 'Fred Flintstone' then the quotes come back much more expensive than with genuine names and addresses.

    The OPs position raises an interesting question of what happens if someone else uses your name and address for quotes and gets you a fraud marker? Good idea for a vindictive neighbour.
    Originally posted by EdGasketTheSecond


    But the OP wanted an indication, which is what you get with a fake profile.
    • Quentin
    • By Quentin 8th Jan 18, 3:34 PM
    • 35,808 Posts
    • 20,058 Thanks
    Quentin
    Iím considering changing providers since I was advised a marker was placed by another provider after I forgot to add a non fault claim last year.
    Another provider has since advised over tel recently that if I add the non fault claim to quote then it wonít be cancelled.
    Originally posted by Dandytf
    If you mean you had a policy cancelled because of this non disclosure and another insurance company rep has told you no need to disclose the cancellation, then get them to confirm this in writing before buying - and repeat this every year.


    Cancellations are recorded on a shared database
    • Dandytf
    • By Dandytf 8th Jan 18, 4:03 PM
    • 1,262 Posts
    • 407 Thanks
    Dandytf
    If you mean you had a policy cancelled because of this non disclosure and another insurance company rep has told you no need to disclose the cancellation, then get them to confirm this in writing before buying - and repeat this every year.

    Cancellations are recorded on a shared database
    Originally posted by Quentin
    The rep advised a marker was placed on my then insurers account.
    I wasnít advised to disclose it and I did mange to change provider last year and hopefully again this year.
    Excellent advice Quentin, though I havenít got the info in writing.
    I did get verbal confirmation a few weeks earlie via tel from csr and t/l
    And again today via e-chat-looks like e-chat have a pre reply template-ĎIf you add the. Non fault claim to your quote then your policy wont be cancelledí
    Though Iíll allow 10 days for new policy to commence and to receive paper docs for my reduced road tax from Feb/March
    I havenít yet cancelled existing policy in case this new policy doesnít start as planned.
    Last edited by Dandytf; 08-01-2018 at 5:04 PM.
    sc dmp 2012 13k
    Jan 2018 8840 paid. 60% approx.
    • tenchy
    • By tenchy 9th Jan 18, 2:51 PM
    • 360 Posts
    • 113 Thanks
    tenchy
    If you mean you had a policy cancelled because of this non disclosure and another insurance company rep has told you no need to disclose the cancellation, then get them to confirm this in writing before buying - and repeat this every year.


    Cancellations are recorded on a shared database
    Originally posted by Quentin

    And the records are deleted on a rolling basis after five years.
    • Quentin
    • By Quentin 9th Jan 18, 3:19 PM
    • 35,808 Posts
    • 20,058 Thanks
    Quentin
    And the records are deleted on a rolling basis after five years.
    Originally posted by tenchy
    Problem is that the insurer's normally ask you to confirm that you (and anyone else to be covered have "ever" had a policy cancellation/, voided etc
    • tenchy
    • By tenchy 9th Jan 18, 3:24 PM
    • 360 Posts
    • 113 Thanks
    tenchy
    Problem is that the insurer's normally ask you to confirm that you (and anyone else to be covered have "ever" had a policy cancellation/, voided etc
    Originally posted by Quentin

    Yes, mad isn't it. I'm 98 years old and when I was 18 I had insurance cancelled because I forgot to tell them that my 'horse' on the horse and cart was actually a donkey.
    • Dandytf
    • By Dandytf 9th Jan 18, 3:51 PM
    • 1,262 Posts
    • 407 Thanks
    Dandytf
    Problem is that the insurer's normally ask you to confirm that you (and anyone else to be covered have "ever" had a policy cancellation/, voided etc
    Originally posted by Quentin
    Which is why I called and used e-chat recently.
    When my marker was placed the csr had advised the marker is seen by some named insurers including Allianz being one, cannot remember the others though they were well known.
    Last edited by Dandytf; 21-01-2018 at 7:38 PM.
    sc dmp 2012 13k
    Jan 2018 8840 paid. 60% approx.
    • Dandytf
    • By Dandytf 19th Jan 18, 8:10 PM
    • 1,262 Posts
    • 407 Thanks
    Dandytf
    Hopefully final comment for this thread from me
    Received new insurance paperwork today including ceritficate which started 1 min past midnight 19th Jan.
    Only requested paper docs which Iíll need for reduced road tax.
    Hopefully I wonít get a cancel letter next week though Iíll accept new providers telephone and chat info.
    Nice simple online site and docs- negligible cost increase from previous insurers though more expensive deposit.
    Nice to know Iím not condemned to select 1 or 2 insurance companies though maybe I am time will tell 1 year at a time.
    Interesting thereís been quite a few threads from other mserís who have had their insurance cancelled.
    Maybe there is a formal complaint procedure as I know my instance of error was genuine as I only forgot to notify previous insures of a solo accident which I paid for the small repairs myself as I continued to drive the car.
    Not to worry at least I have 2 companyís which I wonít be applying for in future and 2 which I know I can consider.

    Thanks mserís another what I thought was going to be a difficult start to 2018 -going much better than anticipated!
    Mot pass
    new car insurance company
    Last edited by Dandytf; 21-01-2018 at 7:41 PM.
    sc dmp 2012 13k
    Jan 2018 8840 paid. 60% approx.
    • Dandytf
    • By Dandytf 23rd Jan 18, 2:00 PM
    • 1,262 Posts
    • 407 Thanks
    Dandytf
    1 additional car insurance question.
    Is it my responsibility to cancel previous policy DD which would have been due 28th Jan.
    I have written and online details confirming my policy has been cancelled for a due days and 2 yrs n.c.d.
    Is it worth cancelling DD today as I could potentially save a +70 being debited in a few days.
    sc dmp 2012 13k
    Jan 2018 8840 paid. 60% approx.
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