Update on my situo

ShamA29 wrote: »

Hi. I'm in need of some advice.

In December 2017 I was looking for car insurance and was recommended a broker by a family friend. At the time, I was under a crazy amount of stress with interviews at the University of Cambridge. Additionally, because of these interviews I was rarely at home.

So, after a week the "broker" called me stating he'd found me a policy at £2029. I was over the moon, and asked him to go through with the policy (I gave him entirely accurate and correct details with no misrepresentations whatsoever). Made payment and everything seemed fine. I then recieved the interview verdict and secured a place! (Whoopee). Here's where things turned sour...

I trusted the broker and had no reason to doubt him (very naïve of me). I checked the policy document (clearly no where near as thoroughly as I should have done) and didn't spot anything wrong. All seemed in order.

6 weeks into my policy, a woman hit me on a roundabout. Her lane discipline was incredibly poor and she ended up hitting my rear fender (driver side) and scraping along the entire passenger door and half way up the driver door. I did what I thought was best and notified my insurance, went to A&E to get myself and passengers checked and reported the incident to the Police. Everything seemed to be fine.

A week later I get a call from Direct Line (my insurer), whereby they declared my policy void and said they'd keep the entire premium. This "broker" lied about the date I purchased the vehicle and put it down as March 2014 :mad: . I couldn't believe what I was hearing. I would have been 13 at the time! To make matters worse he also put me down as a homeowner, and rather than put my father down as my father, he put him down as my spouse! Not only is that disgusting, it's absolutely ridiculous. Immediately, I told the insurers what had happened and didn't withhold the correct information from them. They told me they would issue me a refund for the remaining 10 months and would not put my voided policy as fraudulent (I had no intentions of fraud).

Now my insurer says that they won't pay me the remaining £1690 due to the third parties claim, even though they told me they'd give me one beforehand (don't know why they've changed their mind, as the claim was still there before, nothing's changed in between the time they told me I'd get a refund and now).

I know I should have been more diligent with the policy documents but that's done now. I can't go back and change it. I'm not a stupid teenager, doing illegal things or whatever people seem to misconceive about younger people. None of this was intentional, and I definitely wouldn't have taken the policy out had I known my details were inaccurate.

I'd like to know, is there anything I can do to better this situation? Any way in which I can get some of my money back?

(If you're just going to vilify me then just don't comment at all)

ShamA29 wrote: »

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.