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  • FIRST POST
    • ShamA29
    • By ShamA29 27th Feb 18, 6:55 PM
    • 19Posts
    • 1Thanks
    ShamA29
    Car Insurance Help
    • #1
    • 27th Feb 18, 6:55 PM
    Car Insurance Help 27th Feb 18 at 6:55 PM
    Hi all

    So I recently added a new thread about my situation. Long story short, I'm a 17 year old male and a victim of a Ghost Broker. I've been left uninsured with a void policy on my record.

    I'm in dire need of my car, but until I'm insured I dare drive it (blatantly it's illegal and possibly extremely expensive).

    So I wanted to get some advice from you guys. Anybody know a broker I can use to get insured? Best price I've got so far is £4315 with 'Acorn Insurance'. 'My Policy' quoted me £9500, and 'Be Wiser' quoted me £10,000. You can probably guess that at 17 there's no way I can afford these quotes.

    Thanks in advance for any comments, hopefully someone knows a way I can get insured.
Page 1
    • FutureGirl
    • By FutureGirl 28th Feb 18, 7:38 PM
    • 1,087 Posts
    • 448 Thanks
    FutureGirl
    • #2
    • 28th Feb 18, 7:38 PM
    • #2
    • 28th Feb 18, 7:38 PM
    With a voided policy on your record you'll struggle to get cheaper insurance. The reason the likes of My Policy and Be Wiser quote that much is because they don't want your custom.

    Try some of the companies who are not in comparison sites.
    • ValiantSon
    • By ValiantSon 28th Feb 18, 8:38 PM
    • 1,876 Posts
    • 1,738 Thanks
    ValiantSon
    • #3
    • 28th Feb 18, 8:38 PM
    • #3
    • 28th Feb 18, 8:38 PM
    OP, I can understand your frustration, but I'm not clear on why you are, "in dire need of [your] car". I read your previous thread too and saw nothing in that which told me why you absolutely had to run a car. What I saw was that you wanted to run a car, and that it would be more convenient for you to run a car, but these are not "dire needs". Lots of people cannot afford to run cars and manage perfectly well by using public transport. When I was your age, I too used public transport, including, when I went to university, travelling the c.130 miles between university and my parents' house at the beginning and end of term. Perhaps I am missing something that you haven't yet revealed, but if not then you do not need to run a car, you want to run a car, and these are not the same thing.

    I wish you well with your search for insurance, but I suspect that you aren't going to find much available.
    Last edited by ValiantSon; 28-02-2018 at 11:20 PM.
    • ShamA29
    • By ShamA29 1st Mar 18, 10:49 AM
    • 19 Posts
    • 1 Thanks
    ShamA29
    • #4
    • 1st Mar 18, 10:49 AM
    • #4
    • 1st Mar 18, 10:49 AM
    Thanks for the replies.
    I'll look into the other companies.

    In regards to "dire need", perhaps that was an over statement. My reason for wanting a car is simply that public transport has proved unreliable for me many a time. Additionally, with me being 6'6 regular bus use causes me some pain, as I am constantly confined into places too small for me. For instance, on the upper sector of a double deck bus, I can't even stand straight and am forced to hunch. In peak periods, which are my regular times of travel, I'm left with no choice but to stand hunched for a twenty minutes ride into the city center. I know it sounds rather preposterous, but having my own car simply addresses a few problems.

    I might wait until July, as I'll be 18 then and perhaps will have a bit more luck. I'd just love to have my car back before University starts. I pray someone can top the £4315

    Thanks again
    • BooJewels
    • By BooJewels 1st Mar 18, 12:07 PM
    • 273 Posts
    • 203 Thanks
    BooJewels
    • #5
    • 1st Mar 18, 12:07 PM
    • #5
    • 1st Mar 18, 12:07 PM
    Have you actually discussed this with Direct Line? As I said in the other thread, you were the victim of a crime and had shown willing to pay for insurance and had already paid them [indirectly] a considerable chunk of money. Granted it was less than it should have been due to the scumbag tweaking your details to get a lower premium in order for their scam to work.

    But you'd think they might have a little more sympathy (when this is a well know crime scenario) and perhaps be willing to try and recoup their losses on your outstanding claim.

    Have you spoken to the Police yet?
    • Caz3121
    • By Caz3121 1st Mar 18, 12:33 PM
    • 11,190 Posts
    • 7,342 Thanks
    Caz3121
    • #6
    • 1st Mar 18, 12:33 PM
    • #6
    • 1st Mar 18, 12:33 PM
    In regards to "dire need", perhaps that was an over statement. My reason for wanting a car is simply that public transport has proved unreliable for me many a time. Additionally, with me being 6'6 regular bus use causes me some pain, as I am constantly confined into places too small for me. For instance, on the upper sector of a double deck bus, I can't even stand straight and am forced to hunch. In peak periods, which are my regular times of travel, I'm left with no choice but to stand hunched for a twenty minutes ride into the city center. I know it sounds rather preposterous, but having my own car simply addresses a few problems.
    Originally posted by ShamA29
    how much would taxi's cost you for your journeys?
    • OnanTheBarbarian
    • By OnanTheBarbarian 1st Mar 18, 1:09 PM
    • 1,386 Posts
    • 841 Thanks
    OnanTheBarbarian
    • #7
    • 1st Mar 18, 1:09 PM
    • #7
    • 1st Mar 18, 1:09 PM
    If you were the victim of a ghost broker situation, did you even have a policy which has been cancelled?

    I wonder if the OP even needs to make a declaration that they had a policy "cancelled" - what are the views of other forum members who are actually knowledgeable on insurance, not armchair experts.
    • PrivateClients
    • By PrivateClients 1st Mar 18, 1:38 PM
    • 14 Posts
    • 8 Thanks
    PrivateClients
    • #8
    • 1st Mar 18, 1:38 PM
    • #8
    • 1st Mar 18, 1:38 PM
    Sort of reminding me of student days and the idea of a contract being voidable for mistake as to identity (i.e. mistake of fact.) Don't remember a lot from that time but I recall the implications were that a contract could be voided ab initio or would become voidable on the basis that the contract wasn't formed due to a lack of consensus ad idem.


    I don't think that that would override the need to make declaration of a previous policy having been cancelled though.


    Personally I would try two things:


    1. Speak to Direct Line to explain the situation and ask if they could remove the reference to a cancellation/voidance and/or fraud from their records. If Direct Line aren't willing to do this then I would follow that up with the Ombudsman. The Ombudsman, likely paying regard to what is fair would is more likely to see you as the "innocent victim" - especially due to your age/inexperience dealing with insurance.


    2. I would probably attempt to start with sourcing quotes on the basis that I had not had a previous policy declined/cancelled, and then would call the Underwriters to see if they were in agreement with me that it was not my fault, and if they would accept that the position that I had not had a policy cancelled. Of course, this will be the case if Direct Line agree to your requests.
    Lloyds broker working in Private Clients and Property Owners.


    Looking to help and be helped.
    • ShamA29
    • By ShamA29 1st Mar 18, 2:31 PM
    • 19 Posts
    • 1 Thanks
    ShamA29
    • #9
    • 1st Mar 18, 2:31 PM
    • #9
    • 1st Mar 18, 2:31 PM
    Have you actually discussed this with Direct Line? As I said in the other thread, you were the victim of a crime and had shown willing to pay for insurance and had already paid them [indirectly] a considerable chunk of money. Granted it was less than it should have been due to the scumbag tweaking your details to get a lower premium in order for their scam to work.

    But you'd think they might have a little more sympathy (when this is a well know crime scenario) and perhaps be willing to try and recoup their losses on your outstanding claim.

    Have you spoken to the Police yet?
    Originally posted by BooJewels
    Hi! I literally pleaded to Direct Line for them to allow me to have a policy, but they refused. They're argument was that as a 17 year old male, residence in Birmingham and only having been passed for 3 months, they simply cannot insure me.
    I do feel like they owe it to me to at least remove the void from my record considering I've been scammed.

    I'm collating evidence to present to the police as soon as possible. My grandfather passed away a few days ago, so it's already a rocky week.
    • ShamA29
    • By ShamA29 1st Mar 18, 2:33 PM
    • 19 Posts
    • 1 Thanks
    ShamA29
    how much would taxi's cost you for your journeys?
    Originally posted by Caz3121
    Taxi fare would range between £100 - £120 per week.
    • ShamA29
    • By ShamA29 1st Mar 18, 2:34 PM
    • 19 Posts
    • 1 Thanks
    ShamA29
    Sort of reminding me of student days and the idea of a contract being voidable for mistake as to identity (i.e. mistake of fact.) Don't remember a lot from that time but I recall the implications were that a contract could be voided ab initio or would become voidable on the basis that the contract wasn't formed due to a lack of consensus ad idem.


    I don't think that that would override the need to make declaration of a previous policy having been cancelled though.


    Personally I would try two things:


    1. Speak to Direct Line to explain the situation and ask if they could remove the reference to a cancellation/voidance and/or fraud from their records. If Direct Line aren't willing to do this then I would follow that up with the Ombudsman. The Ombudsman, likely paying regard to what is fair would is more likely to see you as the "innocent victim" - especially due to your age/inexperience dealing with insurance.


    2. I would probably attempt to start with sourcing quotes on the basis that I had not had a previous policy declined/cancelled, and then would call the Underwriters to see if they were in agreement with me that it was not my fault, and if they would accept that the position that I had not had a policy cancelled. Of course, this will be the case if Direct Line agree to your requests.
    Originally posted by PrivateClients
    Is that even possible? Could they remove the reference to the void if I convince them? Any tips on how to actually convince the company?
    • rudekid48
    • By rudekid48 1st Mar 18, 2:40 PM
    • 2,081 Posts
    • 3,565 Thanks
    rudekid48
    If you were the victim of a ghost broker situation, did you even have a policy which has been cancelled?

    I wonder if the OP even needs to make a declaration that they had a policy "cancelled" - what are the views of other forum members who are actually knowledgeable on insurance, not armchair experts.
    Originally posted by OnanTheBarbarian
    In the original thread, this all came to light due to a claim so it looks like DLG are on the hook as the RTA insurer, but I'm guessing...
    All matter is merely energy condensed to a slow vibration, we are all one consciousness experiencing itself subjectively, there is no such thing as death, life is only a dream, and we are the imagination of ourselves.
    • PrivateClients
    • By PrivateClients 1st Mar 18, 3:04 PM
    • 14 Posts
    • 8 Thanks
    PrivateClients
    Sham,


    Direct Line won't give you another policy or continue to offer cover if, on the basis of the correct information, you are and always have been outside of their Underwriting criteria.


    Unless you go to the police and treat it like the crime I think Direct Line will still see this as you making either reckless or intentionally fraudulent misrepresentations in applying for the policy. I think reporting it to the police and going back to Direct Line on the basis that you have both been mutually defrauded is your only hope to move this along.


    Another thing to consider - you have a quote at around the £4.5k area from my recollections. Have you run a quote on a comparison website to see what your best quote would be on the assumption that you have not had a policy cancelled? The reason I ask is that £4.5k wouldn't be an unusual premium for many of the key postcodes in which I operate (particularly for a 17 year old student.) All this might just be a big waste of time if the best quote you can ever possibly get is £4k and you can't afford it.


    What rates were you getting before you went to this ghost broker? Were the rates you had so unaffordable that you would not have been able to afford insurance other than at the rate offered by the ghost broker?
    Lloyds broker working in Private Clients and Property Owners.


    Looking to help and be helped.
    • rudekid48
    • By rudekid48 1st Mar 18, 3:32 PM
    • 2,081 Posts
    • 3,565 Thanks
    rudekid48
    Sham,





    Another thing to consider - you have a quote at around the £4.5k area from my recollections. Have you run a quote on a comparison website to see what your best quote would be on the assumption that you have not had a policy cancelled? The reason I ask is that £4.5k wouldn't be an unusual premium for many of the key postcodes in which I operate (particularly for a 17 year old student.) All this might just be a big waste of time if the best quote you can ever possibly get is £4k and you can't afford it.


    ?
    Originally posted by PrivateClients
    Although this is sound advice from a practical perspective, you need to be very careful if you do this. If you use your real details and run quotes on comparison sites with and without the cancelled policy, you will trigger anti-fraud systems at many insurers and could end up making your situation worse.

    Always use dummy info if you are going to play about with quotes online - especially for something as serious as a cancelled policy...
    All matter is merely energy condensed to a slow vibration, we are all one consciousness experiencing itself subjectively, there is no such thing as death, life is only a dream, and we are the imagination of ourselves.
    • ShamA29
    • By ShamA29 1st Mar 18, 3:38 PM
    • 19 Posts
    • 1 Thanks
    ShamA29
    I ran a quote a few days ago with and without, and the cheapest I got was around £2500. So almost a whole £2000 cheaper.

    I'll report it to the police this week definitely. What do I need to give them? I have the Ghost Broker's number and the social media account they run. I do have some bank details too for him.

    So, are you saying that if I report the incident (which I will) Direct Line might remove the void from my record?
    • ShamA29
    • By ShamA29 1st Mar 18, 3:39 PM
    • 19 Posts
    • 1 Thanks
    ShamA29
    Although this is sound advice from a practical perspective, you need to be very careful if you do this. If you use your real details and run quotes on comparison sites with and without the cancelled policy, you will trigger anti-fraud systems at many insurers and could end up making your situation worse.

    Always use dummy info if you are going to play about with quotes online - especially for something as serious as a cancelled policy...
    Originally posted by rudekid48
    If I use dummy info but use my house address, will that cause any problems? Realistically I'll have to use my house address to get an accurate quote won't I?
    • Jojotwin
    • By Jojotwin 9th May 18, 11:22 AM
    • 2 Posts
    • 1 Thanks
    Jojotwin
    Hi i just need some advice please i was involved in a car accident (my fault) and when checking my points on my licence (i have non) I noticed that i!!!8217;ve given my car insurance the wrong date for how long i have held my licence for (by about 6 years)!! I can!!!8217;t believe i!!!8217;ve done this mistake!! Will this affect my policy and will i be in leagal trouble? Thank you
    • Quentin
    • By Quentin 9th May 18, 11:31 AM
    • 35,604 Posts
    • 19,822 Thanks
    Quentin
    Contact your Insurers straight away and notify the error


    The worst case scenario is an admin charge for correcting the error

    If the change alters your premium then that will have to be dealt with too
    • Jojotwin
    • By Jojotwin 9th May 18, 11:53 AM
    • 2 Posts
    • 1 Thanks
    Jojotwin
    Thank you so much for your advice iíve just rung them and all sorted! I actually got a £16 refund and it wonít affect my claim!
    Jojotwin
    • petemadsen
    • By petemadsen 11th May 18, 11:19 AM
    • 2 Posts
    • 1 Thanks
    petemadsen
    NO relevance
    What relevance have your comments to this young mans dilemma ? Why don't you offer him advice rather than admonishing him on the irrelevance of the "wants" or "needs" of having to use a vehicle ? I'm sure he really appreciates the fact that, at his age, you used to use public transport, but I don't see any relevance in that, to his needing to use a car, do you ?
    Offer relevant advice, I think your missing the whole ethos of the site when you state comments such as what you have, they were of no help to that young man at all and to be quite truthful, I feel rather embarrassed being a member of the older generation (59) when I read comments such as yours that bare no relevance to the subject matter and in no way help the person seeking advice, so thanks for that !
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