We certainly do! Not much choice really other than going without whatever it is. Canal and River Trust for example won't let you have a licence without agreeing with terms and conditions that are completely at odds with the relevant laws and some of them prevent you using your boat lawfully without risking licence termination and banning from the waters. Bunch of control freak jobsworths who want power when their job is maintenance and issuing licences.
I think you are stuffed TBH, but the work van /Zafira (Golf) issue is a red herring - your job insures you to drive the work van, but you would have to declare your job title to get insurance for your Zafira(Golf). Based on the perceived blame here, I'd suggest a job change, coupled with a divorce.......
I think Oz in his post at 12.11 pm ( with screenshot ) says that when he scrolled down it had details for the golf.
Ask if you can cancel your current policy, that way you have never had insurance declined or terminated And start afresh Or buy the golf and use that
Oz, you may have no choice.I would be very surprised if the Insurer didn’t cancel the policy in any event. It is not even a voidable policy, IT IS for all purposes void. You have asked the insurer to insure a car that you have no insurable interest in. You made an honest mistake . You have no valid insurance at the moment. As I mentioned earlier a contract of insurance is a contract uberimae fides, you have to show the utmost good faith otherwise any policy you think you may have is easily refutable by the insurer. You must come clean with any new insurer. You haven’t committed any offence ( other than driving with no insurance ) but even if a new insurance proposal form doesn’t ask the direct question there is an obligation on you to disclose any information which may be pertinent to the decision of an insurer in assuming the risk.
Or ask them why, assuming the Golf is 'on the road' they have allowed a vehicle (the Golf) to be insured twice (you in error and also the actual keeper legitimately) in the same period (an offence if a customer tried to do it.) Insurers have access to the UK Motor Insurance Database https://www.mib.org.uk/managing-insurance-data/the-motor-insurance-database-mid/ but are too lazy to do the legwork themselves so put the onus on checking policy details on the customer, hence why they are trying to wriggle out of it now............ I think you might have to go through the motions of correspondence but then revert to the Insurance Ombudsman and hope that it is seen as an honest mistake. And also revert to using a high street Insurance Broker where you go in and talk face to face with a bod, rather than a spotty yoot on performance (sales) related pay incentives.
Spot on, the only problem is Oz will have to get them to agree to do this, the insurers will be a bit jittery about the unknown extent of their liability and often will not want the trouble of getting disclaimers etc signed. They hold the cards and in my experience will seek the easiest way out which would be to void the policy. Oz may be lucky in persuading them to rectify the errors but the only real card he holds is the obligation ( I believe ) for them to refund.
Good try ……. But won’t work. You may think you have started afresh but I can assure you that if a big claim comes in Insurers have many methods of trawling back, even to previous insurers to find ways of avoiding pay out.
Let’s be honest, the mistake was made by Oz. The insurers haven’t “allowed “ the vehicle to be double insured. They received a proposal from Oz, they will have asked him to check the details and ok it. Oz admits he was given the details pertaining to the golf. He will have received a link post contract to all the documentation , again , presumably with a request to check. I really cannot see how the insurers are in any way at fault. By all means if Fruitcakes suggestion doesn’t work out try the Ombudsman…..god only knows how long that will take, in the interim Oz has no insurance.
So what is the point of the UK Motor Insurance Database if it cant be used to check fundamental things like a vehicle being insured twice?
I don't see why asking to cancel the current policy won't work, you are not making a claim, you are not asking for anything at this point, Ask the question, can I cancel the current policy , You have absolutely nothing to lose, If you cancel the policy as i said earlier you have not had a policy refused or cancelled by the insurance company, You have cancelled on your terms, What are future insurers going to look at, the fact you cancelled your own policy , Nothing to see I think you may be surprised Ask the question, Nothing to lose
Unwittingly, I’ve done as Huyrob has suggested in correcting the information / registration number first, then contacted them. He eventually rang back just after five and told me there were issues with their live chat link. Im still insured up to and including the last few days but not prior to the incident.They are now fogging the whole issue and looking for reserve ammo by asking for every single bit of information on my drivers license including my national insurance number which is their key to access info through DVLA about my license and they want my log book scanned all four pages and emailed through to their head office??? Sounds like a proper ACE performance now (ass covering exercises). I’ve done the first bit and given them my license etc, but would you send them all this about details on my log book? Are they just playing the see you next Thursday routine because I dared question the underwriter? Both jobs done by them including not paying out and making my day off a right fiasco. Push, kick,push, kick! Ozziedog,,,,,,,,,,,bunch of celeries definitely
But they now know that an 'incident' has occurred, regardless of if a claim has or will be made on anyone's policy. When renewing policies nowadays they ask for and presumably record details of any incidents you have been involved in, regardless of whether a claim was made. I have such an incident on my insurance history - someone nudged my car when it was parked a few years ago - no damage but we exchanged details just in case. I never told my insurer but the other driver must have told his, so even though no claim or blame was made or implied, I was asked why I didn't declare it the next time I insured the car.
