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Car Insurance !! watch

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    (Original post by IWMTom)
    It'll be much more than double. I know you don't want to hear this, but it is entirely your fault, and there's nothing you can really do to get this cancellation expunged from your record - by all means, contact the Police and get this guy locked up and try and get some money back, but as far as the insurers are concerned, you fraudulently obtained insurance.

    Did you not read the policy documents? If not, why not?
    Without trying to sound rude, I clearly know it’s my fault as I stated above. I made a common mistake and just need advice. When doing it through him he completely convinced me that it was all legitimate. If I knew I was partaking in fraud I obviously wouldn’t have.
    And because I was so clear with him that I wanted everything to be correct (details) and he said they would be, when he gave me the details, I read thoroughly all the parts about the first driver (me) and then for the 2nd driver I skim read it and as most of it was correct, I clearly didn’t see that his age wasn’t which is where the mistake was 😬
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    (Original post by Znxox)
    Without trying to sound rude, I clearly know it’s my fault as I stated above. I made a common mistake and just need advice. When doing it through him he completely convinced me that it was all legitimate. If I knew I was partaking in fraud I obviously wouldn’t have.
    And because I was so clear with him that I wanted everything to be correct (details) and he said they would be, when he gave me the details, I read thoroughly all the parts about the first driver (me) and then for the 2nd driver I skim read it and as most of it was correct, I clearly didn’t see that his age wasn’t which is where the mistake was 😬
    You have a responsibility to check, double check, and triple check everything on your policy documents to make sure everything is correct - even honest people make mistakes when filling out insurance proposals, so it is crucial to ensure everything is as it should be.

    There's really nothing you can do about this other than learn a hard lesson from it.
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    (Original post by IWMTom)
    You have a responsibility to check, double check, and triple check everything on your policy documents to make sure everything is correct - even honest people make mistakes when filling out insurance proposals, so it is crucial to ensure everything is as it should be.

    There's really nothing you can do about this other than learn a hard lesson from it.
    (Original post by Znxox)
    Without trying to sound rude, I clearly know it’s my fault as I stated above. I made a common mistake and just need advice. When doing it through him he completely convinced me that it was all legitimate. If I knew I was partaking in fraud I obviously wouldn’t have.
    And because I was so clear with him that I wanted everything to be correct (details) and he said they would be, when he gave me the details, I read thoroughly all the parts about the first driver (me) and then for the 2nd driver I skim read it and as most of it was correct, I clearly didn’t see that his age wasn’t which is where the mistake was 😬
    I feel for you
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    (Original post by Fighter365)
    I feel for you
    Lol thank you!!! I know it’s my fault but I’m starting to feel sorry for myself tbh😭 just wish I knew better and didn’t listen to my friends who said to use them 😢
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    (Original post by Znxox)
    Lol thank you!!! I know it’s my fault but I’m starting to feel sorry for myself tbh😭 just wish I knew better and didn’t listen to my friends who said to use them 😢
    Don’t listen to anyone that says it’s your fault and don’t beat yourself up about it. Hopefully if you try to explain to insurance companies what happened othe the phone they might give you a proper quote. If not just try and focus on other stuff in life, whether that’s your career/education and hopefully in a few years the quotes will go down. But if this happened to me I would be SO SO angry and annoyed so I don’t blame you
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    (Original post by Fighter365)
    Don’t listen to anyone that says it’s your fault and don’t beat yourself up about it. Hopefully if you try to explain to insurance companies what happened othe the phone they might give you a proper quote. If not just try and focus on other stuff in life, whether that’s your career/education and hopefully in a few years the quotes will go down. But if this happened to me I would be SO SO angry and annoyed so I don’t blame you
    Thank u so much for this...I’m gonna ring my insurance company tomorrow and explain what happened...I don’t even mind paying extra money as long as I stay insured (unlikely lol)
    And yeah true..so many other things in life to focus on. Thanks again, most positive message yet!
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    When you say he lied about the details of the second driver in your initial post you mention that the age was incorrect in another post who was this second driver in relation to you was it a friend, family member did they agree to be put on policy,

    Also people who tell you on here that you can't do anything unless they are the police or a solicitor how do they know nothing can be done I would prefer asking the people who know after looking at the full facts than faceless strangers on here look what happened the last time you did that.

    Yes you made a mistake but the fact remains if the insurance company cancelled your policy you are entitled to a refund of the rest of the policy I think that point has been forgotten and if this is a sophisticated scam they will send you documents that look legitimate so use a phone number from the insurance company's website and quote the letter and policy details you have on the letters.
    You do as has been advised and just accept it well you don't get closure and a scam continues I know which one I would be doing
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    You'll get most of your money back, but policy-wise, I'd probably forget about it for the next 5 years. You won't get that cancellation off, explaining you were scammed won't change anything as you theoretically can't prove it, which means all you can do is tell them the exact reason it was cancelled. I know Fighter and Silver are trying to stay positive but I'd rather just give you the harsh truth now rather than big you up to get absolutely smoked when you start quote-hunting; you are categorically screwed.

    Your best option is to get on the blower to some legitimate specialist brokers, Adrian Flux, Acorn and PolicyAssist are especially extremely good at trying to get the price down as much as possible (which is what you should have done in the first place!). But I would estimate you're looking at a minimum of around £3500. If you can't pay that; you'll have to wait the 5 years. Also if you want to know if your insurer would have dealt with you without the lie and for how much, do a quote directly through their website/comparison sites with your actual details. If they don't come up - they won't reinstate your policy because it means they'd never have insured you in the first place.

    The slightly weaker option is you tell them you were scammed, and see if they'll let you bail yourself out by ending the policy at your request. As it was cancelled on fraudulent terms, they probably won't want to do it, but at the moment you have nothing to lose by asking.
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    (Original post by nevershear)
    You'll get most of your money back, but policy-wise, I'd probably forget about it for the next 5 years. You won't get that cancellation off, explaining you were scammed won't change anything as you theoretically can't prove it, which means all you can do is tell them the exact reason it was cancelled. I know Fighter and Silver are trying to stay positive but I'd rather just give you the harsh truth now rather than big you up to get absolutely smoked when you start quote-hunting; you are categorically screwed.

    Your best option is to get on the blower to some legitimate specialist brokers, Adrian Flux, Acorn and PolicyAssist are especially extremely good at trying to get the price down as much as possible (which is what you should have done in the first place!). But I would estimate you're looking at a minimum of around £3500. If you can't pay that; you'll have to wait the 5 years. Also if you want to know if your insurer would have dealt with you without the lie and for how much, do a quote directly through their website/comparison sites with your actual details. If they don't come up - they won't reinstate your policy because it means they'd never have insured you in the first place.

    The slightly weaker option is you tell them you were scammed, and see if they'll let you bail yourself out by ending the policy at your request. As it was cancelled on fraudulent terms, they probably won't want to do it, but at the moment you have nothing to lose by asking.
    I actually agree with a lot of your points but the thing is no one knows if he is or isn't screwed especially with his insurance company ,

    Reading between the lines and a bit of guess work your quote has been lowered by the use of a more experienced driver being put on the policy as this is the only reason someone with your driving experience could get their quote lower, insurance companies know it goes on and it is deception/fraud if I'm wrong I apologise but why put an extra driver on and who is it as you must know them well as you have said they will be driving your car.
    The broker may have made the mistake deliberately knowing you would miss it therefore the policy gets cancelled he gets the refund and suddenly disappeared.
    We don't know the full facts only you do and the broker

    If what I have said is remotely true then you are screwed as you have not only been scammed but by going through with it you have agreed to obtain insurance by deception with the extra driver.

    I wish you luck
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    (Original post by silver67surfer)
    I actually agree with a lot of your points but the thing is no one knows if he is or isn't screwed especially with his insurance company ,

    Reading between the lines and a bit of guess work your quote has been lowered by the use of a more experienced driver being put on the policy as this is the only reason someone with your driving experience could get their quote lower, insurance companies know it goes on and it is deception/fraud if I'm wrong I apologise but why put an extra driver on and who is it as you must know them well as you have said they will be driving your car.
    The broker may have made the mistake deliberately knowing you would miss it therefore the policy gets cancelled he gets the refund and suddenly disappeared.
    We don't know the full facts only you do and the broker

    If what I have said is remotely true then you are screwed as you have not only been scammed but by going through with it you have agreed to obtain insurance by deception with the extra driver.

    I wish you luck
    Thank you both for ur take on it, really appreciated!! The second driver was my dad as we car share(d) regularly as I would take it to school, and then often he would take it to work in the evenings. So adding him wasn’t to reduce my insurance, it was because he would genuinely be driving it (as previously my Mum and Dad car shared and it wasn’t really working out)...
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    (Original post by silver67surfer)
    I actually agree with a lot of your points but the thing is no one knows if he is or isn't screwed especially with his insurance company ,

    Reading between the lines and a bit of guess work your quote has been lowered by the use of a more experienced driver being put on the policy as this is the only reason someone with your driving experience could get their quote lower, insurance companies know it goes on and it is deception/fraud if I'm wrong I apologise but why put an extra driver on and who is it as you must know them well as you have said they will be driving your car.
    The broker may have made the mistake deliberately knowing you would miss it therefore the policy gets cancelled he gets the refund and suddenly disappeared.
    We don't know the full facts only you do and the broker

    If what I have said is remotely true then you are screwed as you have not only been scammed but by going through with it you have agreed to obtain insurance by deception with the extra driver.

    I wish you luck
    If you read the points, then you'll understand why I said he's screwed. If for example, him having this 2nd driver on his insurance changed the risk significant enough to provide him with insurance; then it goes without saying that without this important factor - they wouldn't insure him. If they wouldn't insure him, no amount of haggling will change their mind as they actually won't be able to generate a rate for him due to being unable to insure him.

    With that said, that making a lot of a difference is rare, but they'll probably nail him to a cross over a price increase if they choose to offer one and no matter what it is, it's better than a cancellation, I'd pay it lol.
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    (Original post by nevershear)
    If you read the points, then you'll understand why I said he's screwed. If for example, him having this 2nd driver on his insurance changed the risk significant enough to provide him with insurance; then it goes without saying that without this important factor - they wouldn't insure him. If they wouldn't insure him, no amount of haggling will change their mind as they actually won't be able to generate a rate for him due to being unable to insure him.

    With that said, that making a lot of a difference is rare, but they'll probably nail him to a cross over a price increase if they choose to offer one and no matter what it is, it's better than a cancellation, I'd pay it lol.
    Actually the second driver was my dad so I didn’t just add him for the purpose of reducing the insurance- he would be driving the car.
    Thanks for your advice
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    For an update- I’m currently talking to someone from direct line and he said he’ll look into it and get back to me soon.

    Btw guys I’m a she not a he lol
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    (Original post by Znxox)
    Actually the second driver was my dad so I didn’t just add him for the purpose of reducing the insurance- he would be driving the car.
    Thanks for your advice
    Yeah that's fine.

    (Original post by Znxox)
    For an update- I’m currently talking to someone from direct line and he said he’ll look into it and get back to me soon.

    Btw guys I’m a she not a he lol
    Ah sorry mate. So it's directline you're insured with? Yeah they would have probably insured you anyway, but they're quite expensive for young drivers.
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    (Original post by nevershear)
    Yeah that's fine.



    Ah sorry mate. So it's directline you're insured with? Yeah they would have probably insured you anyway, but they're quite expensive for young drivers.
    it’s fine &Yeah...I don’t mind paying extra though if they are willing to insure me & tbh he sounded optimistic but not getting my hope up
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    Just out of interest did direct line or you mention the quote and money paid how much was paid to them and has a refund been made etc etc.

    If the age difference is not a big difference it should have little effect on your policy ie a year here or there but I'm no expert so it's in the insurance company's hands.

    The other problem you have is if the broker paid the policy in instalments he has got the rest of the money after paying the initial premium or it was paid in one go and the insurance company paid the money back to the broker after cancelling the policy as I'm not sure if you paid the whole amount to them or just the fee you mentioned for him doing the work.

    Whatever happens I wish you the best and hope it isn't the disaster predicted but a lesson learned for the future
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    Lesson learned for next time at least.

    If you’re looking to compare quotes in the future, just use compare the market or something.
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    (Original post by silver67surfer)
    Just out of interest did direct line or you mention the quote and money paid how much was paid to them and has a refund been made etc etc.

    If the age difference is not a big difference it should have little effect on your policy ie a year here or there but I'm no expert so it's in the insurance company's hands.

    The other problem you have is if the broker paid the policy in instalments he has got the rest of the money after paying the initial premium or it was paid in one go and the insurance company paid the money back to the broker after cancelling the policy as I'm not sure if you paid the whole amount to them or just the fee you mentioned for him doing the work.

    Whatever happens I wish you the best and hope it isn't the disaster predicted but a lesson learned for the future
    We were paying in instalments so I’ve only paid so far one months worth...they did say in the letter nothing is refunded
    direct line said they need to speak to a specialist about the whole situation and they’ll get back to me tomorrow...praying for good news!
    Thanks for all your help
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    (Original post by Znxox)
    We were paying in instalments so I’ve only paid so far one months worth...they did say in the letter nothing is refunded
    direct line said they need to speak to a specialist about the whole situation and they’ll get back to me tomorrow...praying for good news!
    Thanks for all your help
    That's unusual, even if they cancel a policy normally whilst they have the right to retain full premium, they'll usually just refund it less any cancellation charge and cover provided. This only changes if you have an accident in which case they can claim the full moment as they've fulfilled their end of the contract from start to legal finish.
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    (Original post by nevershear)
    That's unusual, even if they cancel a policy normally whilst they have the right to retain full premium, they'll usually just refund it less any cancellation charge and cover provided. This only changes if you have an accident in which case they can claim the full moment as they've fulfilled their end of the contract from start to legal finish.
    This is true
    but she still hasn't said who paid the premium it sounds like you did but I'm not sure.
    Are you saying that you have paid the first premium or that you sent the full amount to the broker and he has paid the first months premium on your behalf and disappeared I'm confused if he has all the money then it's what I said in a previous post about what has happened he pays the first months premium you're happy then he has a month to cover his tracks until you realise what has happened.

    If you paid the first months premium and sent him just the £250 fee then as long as the insurance company decide in your favour then just a slightly less painfull lesson learnt
 
 
 
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