The insurers ( underwriters ) really only have 2 choices. Accept your error, recalculate what the premium should have been, re-assess whether they would have taken you on and agree to take on the policy with retrospective acceptance OR secondly that the contract null and void ab initio ( from inception) if they do this then they would be obliged to refund your premium(s) in full . They may seek to deduct some sort of admin fee but my view is that they would not be entitled to do so. Without reading all of the policy t’s and c’s I couldn’t be certain although if they try to null and void it ab initio it is hard for them then to rely on any of its terms.
1. Every insurance company I've ever dealt with cross checks REG number and details of the matching car automatically. 2. Your insurance company don't seem to have done this, so ask them what checks/safeguards they use to prevent errors caused by people mis keying registration numbers. 3. Submit a SAR (Subject Access Request) to the insurance company, this means they must provide you will all details they have recorded about you on their system. It's free and may well provide you with information that will be useful if it goes to the ombudsman (for example something on their system that flags up that the registration does not match the model of car insured etc). You can find a template letter on the ICO website or message me an email address and i'll zap you something. 4. I wouldn't accept liability for your bosses car, you weren't driving your car, did not cause the accident and don't know what happened. Just say based on advice you've received she should promptly inform her own insurance company. Then give her the policy number and details of your insurance company.
It's a car, not used for work other than commuting. It's Ozzies job that's the problem - van drivers are arze, well known for crashing and rushing around. Maybe he does mean being insured 3rd party to drive other peoples insured vehicle though. Our classic van insurances are like that - no cover for other vehicles.
I may misunderstand but if Oz has given them a reg no , they have then provided details of that car ie. Matched it up ( the golf ) then Oz has confirmed all correct then what has insurer done incorrectly?
The car is a Zafira, I happen to work at Asda as a van driver doing home delivery in an Asda van (Sprinter) Mr underwriter is saying that because I drive a van for a living that would specifically exclude me from my insurance covering other vehicles? Yup, this guy is running rings around me and I seem to be getting nowhere apart from wasting my day off. Ozziedog,,,,,,,,,great innit
I drive Asda’s Merc sprinter box van doing home shopping deliveries. I just happen to drive my Zafira to work every day and park it in the car park along with everyone else’s cars, including our new boss’s car ! I don’t do any work in my car apart from driving to Asda to go to work and going home again. Ozziedog,,,,,,,,,,sorry it’s so confusing
Oz, Your job is really only relevant in how they pitch your premium. It may also mean that, yes your cover is limited to the specific insured vehicle. Unfortunately the specific insured vehicle was the subject of your mistake. You need to get the response of the insurers. I would expect them to cancel your policy from the date of inception. I have already stated that you would then in all likelihood be entitled to a refund. I don’t want to cause you further anguish but your ,possibly major problem then is when you seek a new insurer…..the question on the application.. “ have you ever had insurance declined or terminated “. Getting past this can be a nightmare
The insurance may have done nothing wrong. If Oz&co entered a wrong reg number and the insurance company said is this a Golf 5 door and Oz said YES, then their systems work and Oz should have spotted it. If Oz entered a wrong reg number, but the correct car detaisl (Zafira) then their systems should have spotted it. A subject access request will help clear up what happened.
And that just about puts the tin hat on it. Huyrob, you’ve been brilliant and thanks for you’re wonderful input, and thanks to everybody that’s thrown in a thought or two . I feel that I’m being stitched up like a kipper and I’m sure I’m not the first, not by you I might add I had already resigned myself to paying the bill but thought it was worth one more pop of the gun just on the off chance . The return phone call from the underwriter on a cold Friday afternoon is maybe the last on his list of priorities especially if he’s working from home. Ozziedog,,,,,,,,,There’s a lesson here somewhere I’m sure.
If Mr Underwriter calls back, I may suggest asking for an SAR just to see if that is a possibility, but the reality seems to be that I’m sunk if I wanna ever get insurance again. Ozziedog,,,,,,,,,,,first world problems really
I didn’t have a certificate of insurance as it was all done on line. My Mrs has now forwarded my insurance details to her work and printed me off a certificate, however this is the revised edition after the recent change of details. Ozziedog,,,,, ,,,paper was betterer
Even if it was done online, there should be link somewhere where you can download the appropriate policy documents.
Yes indeed there was, however we haven’t done that for several years now , again with hindsight we should have and have started again with the printing of certificates. Not sure how to chase a paper trail from almost two years ago that we never printed. It would seem they hold all the aces and a good few kings too. That last thing from Huyrob sealed the can. If you beat them, you might not get insurance again easily. Ozziedog ,,,,,,, but it was deffo worth an ask
I can kind of see how someone might mis-type a registration, but surely you’d notice when it popped up with the wrong make and model? Get the mrs to check her emails. Unless she deletes them it’ll still be there somewhere. Even when I use online insurers, they’ve always emailed me the docs.
Some of them email a link to the insurance certificate, which then won't work a year or so later! Subject access request should get all the info they hold.....they may ask you for it in writing
To avoid that difficult option, which potentially could be the biggest headache of the whole saga, wouldn't it just be best if @Ozziedog corrected the error, paid any admin fee that they might ask for and setlle the issue himself? The changes would come into effect immediately and the insurers would not be liable for this incident. (They're not going to pay whichever way you look at it) If he gets a refund he'll need to re-insure the car anyway.
Yup, and back in this thread a bit, it shows the screen shot of this. It isn’t until you scroll down that you see the make and model of the car. Like when you’re trying to access something and you have to agree to pages of conditions first, we just tick yes. Ozziedog,,,,,,,,but lesson learnt the hard way.
