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Cancelled insurance

I had an accidentnot sure who was at fault as 2 of us didn't see each other , called my insurance to make them aware of the accident but made it clear I didn't want to claim , the insurance went through my details and mentioned I had a provisional licence and I told them no I had full UK ,I explained I uploaded my full details and driving licenc when I made the claim , the lady called me back to tell me that had to cancel my policy and will refund my money . Now I'm am left with no insurance and every new claim I try make is so high in price . It was a genuine mistake that I had put a provisional license , but that was back in august it is now almost February and they have only realised this mistake because of the accident . Also they have took my no claims off me too , is there anything I can do ?

Reply 1

Jackieox

How can two cars not see each other? I can understand if it was like a junction on a bend or something...but that's usually one driver not seeing the other..
The issue here is you've been driving without insurance. (Learner insurance expires when you pass your test) Which is obviously illegal. It's not the insurance companies job to determine what license you have. That's down to you to fully check before you submit the form.

If they think you've been on a provisional all this time then they've been charging you a much lower rate than they should have been... How much was your policy?

I think you've lost the no claims but I guess the only thing you could do is keep calling insurance companies and see if they'll give you a reasonable quote..

Reply 2

paulbarlow

you have not earned any. so nowt lost. a newdriver with an accident you bet your premiums are going to go up a lot. wife got caught speeding 39 in a 30 that add nearly 200 onto her insurance and shes been driving for 20 odd years.

Reply 3

IWMTom

Don't expect to be back on the road anytime soon is all I can say

Reply 4

PhilipG1

A person who just passed their test, doesn't update their insurance policy, therefore driving without insurance which is illegal, gets into an accident for not being observant (where did you pass your test? lmao), gets insurance policy cancelled, you've really hit the ground running.

The main reason your new quotes from insurers are going to be so high is because:
- You're a young driver and you've already had an accident
- Your insurance policy got cancelled (which you probably aren't mentioning when you look for new quotes)

And yes your no claims is gone because your quote got cancelled. Frankly, if you didn't want to claim it, why did you tell you insurer, you don't have to tell the insurer's everything that happens. You contact them when you want to make a claim.

Reply 5

coldplasma

Yep, not a lot of sympathy to be honest, making sure you're insured to drive a car is one of the most important aspects of driving, honestly surprised you've never been pulled over before. Better make sure you've paid your road tax too. I mean sod your bloody no claims, you should feel lucky enough the police aren't involved here otherwise you'd have a driving ban and a criminal record heading your way.

Reply 6

999tigger

Original post by Maxinelillyx

Call the financial ombudsman or go and see CAB (probably too specialised for them).

From your post they appear to have canceled because you put provisional at the time and failed to update? The financial services ombudsman will know, bit my unerstanding is they arent allowed to use a misreporting of fact unless it would have been material. I would have to look it up and id prefer you to speak to the FO as they will know immediately.

My point would be that a full licence makes you less of a risk as it shows an increase in competency and so shouldnt be used against you.

If the FO say you have a point, then you should maybe then speak to CAB about submitting a complaint to the insurance company and their formal complaints scheme. You cna only make a complaing to the FO once you have used the companies scheme.

I dont think losing your no claims bonus will prevent you getting one from elsewhere because you havent made a claim. However im not sure where you stand when making declarations becayse of the accident as that is a material fact, although maybe one they can discover especially if the other person makes a claim.

1. Talk to FOS.
2. See CAB
3. Make complaint to companu if 1 and 2 agree.
4. make complaint to FOS if 3 not successful.
5. be careful what you do about new insurance and you musnt lie. You may find you cannit afford it period, especially if the other person has amde a claim. the only way to stop them is paying their costs.
6. You could try speaking to an insurance broker.

Reply 7

Twinpeaks

Original post by Jackieox

No, in a way it's worse than if he drove without insurance, he had his insurance void, which immediately hikes up your insurance premium to a ridiculous extent. It's always asked, whether you've had your insurance cancelled, you don't get asked whether you've driven without insurance.

My step dad had his insurance void when he made a claim. His insurance company made a very small mistake when renewing his insurance. It was some tiny detail that my step dad didn't notice in his renewal letter. But when he wanted to make a claim, they used that mistake as a way to cancel his insurance, claiming it to be his responsibility to spot it. Now his insurance is sky high.

I do feel for you OP, it really drives home the importance of reading your insurance policy carefully. Only way is to bare it I suppose.

Reply 8

ontherazzle

[QUOTE=999tigger;69860464]

My point would be that a full licence makes you less of a risk as it shows an increase in competency and so shouldnt be used against you.

Unfortunately this is not the case. On a provisional licence you have a qualified driver with you at all times when you are driving. Your insurance premium always goes up once you have passed your test because you are now entitled to drive unaccompanied and are more of a risk.

Reply 9

IWMTom

Original post by PhilipG1

Frankly, if you didn't want to claim it, why did you tell you insurer, you don't have to tell the insurer's everything that happens. You contact them when you want to make a claim.

PRSOM

Whilst I agree with everything else you've written, this part simply isn't true. You'll find that you do have to notify insurers of any and all accidents, but you don't necessarily have to claim. It's usually written in the small print that failing to declare any accidents prior to and during the policy is grounds for cancellation. Of course, this is not the same for EVERY insurer, but the vast majority do make this quite clear.

Original post by coldplasma

PRSOM

Original post by 999tigger

Call the financial ombudsman or go and see CAB (probably too specialised for them)

OP has no grounds to complain; it's their fault they didn't notify the insurer earlier. You must consider that from the insurers viewpoint, OP has committed fraud - they're lucky that the insurer hasn't put a fraud marker on the MID (or maybe they have; who knows?). The insurer has lost out on premiums, as the OP gave information that they failed to rectify when it became incorrect. The same goes for any modifications on a vehicle.

OP; I have no sympathy for you. Please, for the sake of everyone else, stay off of the road for a while.

Reply 10

Reality Check

Original post by Maxinelillyx

'They' haven't "realised the mistake". 'They' have become aware of it incidentally as part of their claims process.

It is not the insurance company's responsibility to keep checking with you to make sure no material facts have changed - it's up to you to keep them informed. A change in the class of license is very much a material change and this change happened over four months ago.

Regarding the accident, just because you 'don't want to claim' doesn't mean that the insurance company won't have any liability towards the third party involved - for all you know they might claim for personal injury as well as damage to the vehicle. You have put yourself in a position where you were effectively driving without insurance due to a material non-disclosure and have also had an accident. You have also had an insurance policy cancelled - a further fact which you will have to disclose when seeking new quotations. You're going to struggle with a cancelled policy, accident and possible prosecution resulting in a IN10 endorsement to get any insurance, never mind a competitive quotation.

(edited 7 years ago)

Reply 11