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  • FIRST POST
    • Polioz
    • By Polioz 11th Aug 18, 2:50 PM
    • 11Posts
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    Polioz
    Bike got stolen, tried to make a claim and had my policy voided . Appreciate advice
    • #1
    • 11th Aug 18, 2:50 PM
    Bike got stolen, tried to make a claim and had my policy voided . Appreciate advice 11th Aug 18 at 2:50 PM
    I've recently had a nightmare with my insurance company , which has left me royaly screwed because of an honest mistake .

    My motorbike was stolen , I maid a claim and they ended up voiding my entire policy , I am still shocked . The crux of it was I checked yes to me having an immobiliser/alarm when I didn't. I thought this referred to my front disc lock that immobilises my bike and had an alarm , I suppose I was naive and I take responsibility for that .

    Now my policy has been voided and I am in the process of making a formal complaint , I don't even care about the claim anymore .

    However I have a few questions and would love some advice .

    1) I've recently taken out a new policy for a new motorbike , this was only 7 days ago, whilst it was yday that my previous policy was voided . When making the policy I told them the truth at the time, that I made a claim .

    Should I inform them now of what has happened ? I am scared I will call them and they will void my policy .

    2) I was thinking of canceling my recent policy and then taking out a new one somewhere . It's really hard with a canceled policy .

    I am wondering however as my policy when voided , do o still have to declare a claim ? How could I declare s claim if my policy was voided ?

    It is much easier to get insurance with only a voided policy rather than a claim and a voided policy


    Many thanks !
Page 1
    • Quentin
    • By Quentin 11th Aug 18, 2:59 PM
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    Quentin
    • #2
    • 11th Aug 18, 2:59 PM
    • #2
    • 11th Aug 18, 2:59 PM
    You need to disclose both your claim AND your voided policy

    Failure to do so will result in another cancellation when they discover

    Claims and cancellations are shared by Insurers by way of shared databases used to detect fraudulent activity!
    • Polioz
    • By Polioz 11th Aug 18, 3:05 PM
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    Polioz
    • #3
    • 11th Aug 18, 3:05 PM
    • #3
    • 11th Aug 18, 3:05 PM
    You need to disclose both your claim AND your voided policy

    Failure to do so will result in another cancellation when they discover

    Claims and cancellations are shared by Insurers by way of shared databases used to detect fraudulent activity!
    Originally posted by Quentin
    Do you think the recent policy provider would void my insurance if I tell them my previous policy was voided yesterday? even though obviously i was 100% honest with them when I took out the policy, as my policy was not voided then.

    I am worried this will happen and I am wondering if its safer to just cancel the policy myself. I don't think they would insure me with a voided policy.
    Last edited by Polioz; 11-08-2018 at 3:14 PM. Reason: quote
    • Quentin
    • By Quentin 11th Aug 18, 3:13 PM
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    Quentin
    • #4
    • 11th Aug 18, 3:13 PM
    • #4
    • 11th Aug 18, 3:13 PM
    You can find out if your current insurer accepts an application from someone with this in their history if you can get a quote online from them. (Use dummy personal details)

    Though if you knew about the cancellation when you took out the policy expect them to take a dim view of you not disclosing it

    Having a cancellation in your history is bad news. Having 2 could mean you have great difficulty finding cover
    • Polioz
    • By Polioz 11th Aug 18, 3:18 PM
    • 11 Posts
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    Polioz
    • #5
    • 11th Aug 18, 3:18 PM
    • #5
    • 11th Aug 18, 3:18 PM
    You can find out if your current insurer accepts an application from someone with this in their history if you can get a quote online from them. (Use dummy personal details)

    Though if you knew about the cancellation when you took out the policy expect them to take a dim view of you not disclosing it

    Having a cancellation in your history is bad news. Having 2 could mean you have great difficulty finding cover
    Originally posted by Quentin
    I used the online compare website and they wouldn't insure me with a voided policy. The insurance is 8 days old, whereas I only had my policy voided yesterday so I didn't have a voided policy at the time.

    I think I will just cancel it myself, I have lost trust in some of these insurance companies
    • Quentin
    • By Quentin 11th Aug 18, 3:22 PM
    • 36,840 Posts
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    Quentin
    • #6
    • 11th Aug 18, 3:22 PM
    • #6
    • 11th Aug 18, 3:22 PM
    You are splitting hairs aren't you?

    When you have a policy cancelled the insurer gives you 7 days notice to allow you time to get cover elsewhere.

    Otherwise why would you take out a new policy when you had one running?
    • Polioz
    • By Polioz 11th Aug 18, 3:29 PM
    • 11 Posts
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    Polioz
    • #7
    • 11th Aug 18, 3:29 PM
    • #7
    • 11th Aug 18, 3:29 PM
    You are splitting hairs aren't you?

    When you have a policy cancelled the insurer gives you 7 days notice to allow you time to get cover elsewhere.

    Otherwise why would you take out a new policy when you had one running?
    Originally posted by Quentin

    My previous policy ran out over 6 weeks ago, my bike was stolen literally at the end of my policy. I bought a bike a week ago and insured it, I did not expect my policy to be voided for such a simple mistake, at worst I thought I would only get 75% of my claim. Granted I obviously did not know about this error prior to making a claim.
    Last edited by Polioz; 11-08-2018 at 3:32 PM.
    • jonesMUFCforever
    • By jonesMUFCforever 11th Aug 18, 4:20 PM
    • 25,080 Posts
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    jonesMUFCforever
    • #8
    • 11th Aug 18, 4:20 PM
    • #8
    • 11th Aug 18, 4:20 PM
    Just my opinion OP so don't get angry with me - a reasonable person would know the difference between an immobiliser/alarm and what you wrote.
    What would the premium have been if you had (rightly) not had the alarm?
    All of a sudden you are happy to write off a bike claim for this - so something does not smell right to me.
    What goes around - comes around
    give lots and you will always receive lots
    • Polioz
    • By Polioz 11th Aug 18, 5:14 PM
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    Polioz
    • #9
    • 11th Aug 18, 5:14 PM
    • #9
    • 11th Aug 18, 5:14 PM
    Just my opinion OP so don't get angry with me - a reasonable person would know the difference between an immobiliser/alarm and what you wrote.
    What would the premium have been if you had (rightly) not had the alarm?
    All of a sudden you are happy to write off a bike claim for this - so something does not smell right to me.
    Originally posted by jonesMUFCforever
    Don't worry I can appreciate how this can seem dodgy, I suppose that is why I have been screwed. It was my first vehicle and first insurance policy, I didn't have anyone to help me and I suppose I was quite naive and impatient to get it sorted. I did some research and asked friends and somehow came to the conclusion that it must surely refer to my front disc lock, because the question below allowed me to put my chain and padlock.


    I still wasn't sure what it was and vaguely remember playing around with it and not having the premium change at all if by a few quid. In my mind, which I suppose in retrospective is the obvious wrong choice, I clicked that I had it as I wanted to be honest... because I had something that immobilised my bike and had an alarm. I guess I am just an idiot.

    It is insane to me that this is the repercussion of something that would of saved me at most a few quid. I could of actually gone out of my way and not disclosed information to get over 550 off, instead I wanted to be as genuine and honest as possible.

    I hope my formal complaint gets me somewhere and my case is reviewed on an individual basis with some empathy and understanding. I appreciate it is my responsibility to know what I am putting on my policy but as it is in my eyes a blatant mistake, just reject my claim and leave my policy. I can't afford a vehicle now and would most likely have to find a job elsewhere, very stressful.


    EDIT!!!!!!

    I actually put my details in and the only thing I changed was the immobiliser/no immobiliser... THE PRICE OF THE POLICY IS EXACTLY THE SAME ACROSS THE BOARD.... What a joke, they didn't lose ANY MONEY
    Last edited by Polioz; 11-08-2018 at 5:40 PM.
    • Quentin
    • By Quentin 11th Aug 18, 5:45 PM
    • 36,840 Posts
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    Quentin
    You look to have fallen foul of their strict policy regarding fraudulent applications by playing round with your quotes to find the scenario that gave you a cheaper policy!


    !!!8230;... I appreciate it is my responsibility to know what I am putting on my policy but as it is in my eyes a blatant mistake, just reject my claim and leave my policy.....
    Originally posted by Polioz

    Why are you happy that your claim was rejected, but unhappy that they cancelled your policy?? Seems a mixed message there!
    • Polioz
    • By Polioz 11th Aug 18, 6:32 PM
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    Polioz
    It seems you have misunderstood me Quentin.

    I didn't play around with my policy to get the cheapest quote . My policy was almost 1k because I answered everything truthfully and factually , apart from my mistake regarding the immobiliser . Which by the way did not change the quote at all , it did not cost the insurance company any money nor did it save me any money .

    I was actually shocked at how much I had to pay and played around with quotes to see what the reason for this was , as my friends were getting much cheaper quotes . E.g 200 quid for a more powerful bike.

    DESPITE THIS I answered everything truthfully and thus paid so much . So it is completely false to state I am victim to playing around with my quote to get the cheapest quote . I got actually one of the most expensive quotes I could , young driver , no NCB, city with high theft rates (it seems), no garage etc , you see what I am saying .




    I am not happy they canceled my policy , but at this rate I'm clutching at straws and would be happy to atleast have my policy uncancled. I don't care about their money any more .

    I would be more than happy if they kept my claim , but I accept responsibility for not understanding the policy . However voiding my policy is overkill when they didn't lose money , I didn't save money !

    What's the point of putting an immobiliser (falsely on purpose) if it didn't save me any money !!
    • csgohan4
    • By csgohan4 11th Aug 18, 6:45 PM
    • 4,761 Posts
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    csgohan4
    OP you gave dishonest information, whether on purpose or not does not matter, you gave false answers, therefore your policy was cancelled




    How much you paid for the policy is again irrelevant and whether this changed the price retrospectively without an immobiliser is irrelevant.


    Why should honest drivers/riders be paying the premiums they deserve when people like the OP have falsified data?
    "It is prudent when shopping for something important, not to limit yourself to Pound land/Estate Agents"
    • Polioz
    • By Polioz 12th Aug 18, 1:14 AM
    • 11 Posts
    • 0 Thanks
    Polioz
    I am actually quite surprised with some of the responses here.

    It seems the thread has turned into a place where people are venting their frustrations onto others .

    Accidents and misunderstandings happen , I hope some of you are not in the same position and treated with the same disdane as me , rather people show some level of empathy towards you.
    • oscarward
    • By oscarward 12th Aug 18, 9:31 AM
    • 616 Posts
    • 239 Thanks
    oscarward
    I am actually quite surprised with some of the responses here.

    It seems the thread has turned into a place where people are venting their frustrations onto others .

    Accidents and misunderstandings happen , I hope some of you are not in the same position and treated with the same disdane as me , rather people show some level of empathy towards you.
    Originally posted by Polioz


    This is why MSE forums can be a rough area, people seem to pile in with holier than thou attitudes which honestly don't help.


    FWIW I would raise a complaint with the insurers as it would seem that you have inadvertently misled them and they haven't treated you fairly. If they won't change anything then when a final decision is made I would go to the Financial Ombudsman , which will cost you nothing. Have a look at their example cases


    http://www.financial-ombudsman.org.uk/publications/technical_notes/cancelling-renewing-car-insurance-case-studies.html#a


    Good Luck
    • oscarward
    • By oscarward 12th Aug 18, 9:49 AM
    • 616 Posts
    • 239 Thanks
    oscarward
    OP you gave dishonest information, whether on purpose or not does not matter, you gave false answers, therefore your policy was cancelled
    Originally posted by csgohan4

    Without wishing to get in to a internet argument you are being very black and white.


    Try this scenario, I'm going on holiday and forget to renew my car insurance in the rush of getting everything ready.


    I remember on holiday and try to get new cover as the car is in a long stay car park at an airport back in the UK. No internet access so done by phone (at international rates!). I know I had a speeding conviction a few years ago but can't remember the exact date.


    So I guess the date get insurance and enjoy the rest of my holiday and on my return discover my insurance is voided because I was a few months out on the date of offence.


    Would you still say I had supplied dishonest information and false answers?
    • Polioz
    • By Polioz 12th Aug 18, 9:55 AM
    • 11 Posts
    • 0 Thanks
    Polioz
    Thanks Oscsrward, these are the kind of helpful replies I was hoping for . Much appreciated I will have a look into this!
    • oscarward
    • By oscarward 12th Aug 18, 10:20 AM
    • 616 Posts
    • 239 Thanks
    oscarward
    Thanks Oscsrward, these are the kind of helpful replies I was hoping for . Much appreciated I will have a look into this!
    Originally posted by Polioz

    My opinion (and someone will be along soon to tell me I'm wrong I'm sure!) is that you should push the angle of Inadvertent Misleading and the fact of insurers would have still have accepted the risk if they had known, at no cost difference.


    The FOS seem to side with the little guy in cases like that and on the face of it you have a real grievance.


    Please let us know how you get on, nothing more frustrating when people come here for advice and never come back.
    • Quentin
    • By Quentin 12th Aug 18, 10:28 AM
    • 36,840 Posts
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    Quentin
    It seems you have misunderstood me Quentin.

    I didn't play around with my policy ......

    I was actually shocked at how much I had to pay and played around with quotes
    Originally posted by Polioz


    .....I still wasn't sure what it was and vaguely remember playing around with it and not having the premium change at all if by a few quid.
    Originally posted by Polioz


    No.


    You have misunderstood my post.


    I didn't say you had "played around" with your policy!


    I said that you looked to have "played round" with your quotes - which was what you told us!


    You played around with the quote and got "a few quid" difference!


    You look to have fallen foul of their strict policy regarding fraudulent applications by playing round with your quotes to find the scenario that gave you a cheaper policy!
    Originally posted by Quentin
    Last edited by Quentin; 12-08-2018 at 11:15 AM.
    • stator
    • By stator 12th Aug 18, 10:37 AM
    • 6,442 Posts
    • 4,295 Thanks
    stator
    No.


    You have misunderstood my post.


    I didn't say you had "played around" with your policy!


    I said that you looked to have "played round" with your quotes - which was what you told us!
    Originally posted by Quentin
    OP didn't say that at all.
    Changing the world, one sarcastic comment at a time.
    • csgohan4
    • By csgohan4 12th Aug 18, 10:58 AM
    • 4,761 Posts
    • 2,999 Thanks
    csgohan4
    Without wishing to get in to a internet argument you are being very black and white.


    Try this scenario, I'm going on holiday and forget to renew my car insurance in the rush of getting everything ready.


    I remember on holiday and try to get new cover as the car is in a long stay car park at an airport back in the UK. No internet access so done by phone (at international rates!). I know I had a speeding conviction a few years ago but can't remember the exact date.


    So I guess the date get insurance and enjoy the rest of my holiday and on my return discover my insurance is voided because I was a few months out on the date of offence.


    Would you still say I had supplied dishonest information and false answers?
    Originally posted by oscarward


    The question isn't what is reasonable or being right or wrong, but what the insurers think and does. Whether you did it on purpose, the insurers doesn't care, all they have to go on is your driving history and incorrect data when they match it to the their own database.


    You can of course complain and then take it to the ombudsman. But the questions asked does not say roughly or estimate but exact dates when you fill in the insurance quotation.


    Hence you agreed to the terms and conditions when you paid for the insurance.


    But back to the OP, if the OP was not sure what an immobiliser was in reference to, they could have asked instead of assuming and now ended with a void policy which will affect their insurability and premiums in future.


    wrong information whether intentional or not, the insurers doesn't care, some are more lenient some will put it down to fraud etc
    Last edited by csgohan4; 12-08-2018 at 11:00 AM.
    "It is prudent when shopping for something important, not to limit yourself to Pound land/Estate Agents"
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