Hello, I’ve made such a stupid mistake which has actually cost my car insurance to be cancelled 😭 I’ll try keep it brief...so I passed when I was 17 (4 months ago) and got a car however insurances were sky high. I wasn’t really sure on the best places to look for car insurance and needed a little help if I’m honest but my parents would always put it off. After a solid 2 months of looking, they were all still £4-5 thousand which is ridiculous !! I asked around (family and friends) if anyone knew of any good websites or insurance companies and a friend of mine said to look at “insurance brokers” online as they somehow get the best prices. My friend had used them and convinced me to at least look. As I was sooo desperate, I started retrieving quotes from Instagram brokers and everywhere and they all said they were 100% legitimate and said they could provide proof...so i decided to follow through with one of the quotes. I stalked his profile and saw he had already given so many people insurance’s and quotes and they all seemed so satisfied. countless times I reassured him of my details and told him I don’t want trouble with the insurance...He didn’t even give me a really cheap quote which made me doubt (around £2 grand) him and also it was with a legit company (direct line) so I went through with the payment and he even said through the messages that if anything (even though it won’t) goes wrong come back to me...so as naive as I was I went through with it...
Now a month later, I got a letter sent home saying they have cancelled my insurance as he lied about some of the details of the second driver (not me)...I went back to message him and saw he has deleted his page !!
I know I made a stupid mistake but I wasn’t aware he changed my details or anything like that...I just thought he maybe worked for the company or something and therefore was doing this on the side as we also payed him directly £250 or something...
I’m just so stuck on what to do now because so much money has been wasted and I can’t even get hold of the bloody guy...
Do you think I should phone direct line and explain the situation and how I didn’t know the details were false ??
Ps: I don’t need anyone replying telling me how stupid I was to trust him/her...I’m only 18 & honestly I was desperate and we all make mistakes...I just hope this one hasn’t cost me my insurance because I honestly can’t afford another one!