Written by John Kruse, one of the leading experts on Bailiff Law, this consumer friendly guide is essential reading for anyone who comes into contact with a bailiff.
The book is easy to understand and clearly explains the rights
a bailiff has, and also what they cannot do when collecting debts and repossessing goods etc.
I had my car insurance canceled 2 years ago by admiral. I lent my car to a friend who told me his policy covered him third party. That night he parked it in wood and wrote it off, the next day we found out that his policy didn't cover him. Luckily noone else was involved or hurt, and I telephoned my insurance company out of courtesy to tell them about the incident and not to make a claim. 4 weeks later they canceled my policy as I had breached the T&Cs by allowing a person to drive my car uninsured.
I was then insured by Endsleigh who listened to my story over the phone and gave me a quote, the next year More Than covered me and when it came to renew this year I noticed that my details were incorrect so phoned More Than to inform them and to pay the difference. In effect they didn't have the fact that I'd had insurance canceled before and I also have 6 pts. They have now canceled I am still fighting with them to get them to reconsider. I rang Endsleigh who tell me I didn't tell them 2 yrs ago when I'm sure I did. Now I can't find anyone who'll insure me at all.
I am 33, with 9 yrs no claims bonus I should be a low risk driver - this whole situation comes from the night I lent my car without visually checking a friend's insurance. Of this I am guilty and the subsequent failure to disclose information was not intentional as my phone call to More Than proves.
Can anyone help? On insurance policy forms the question is "have you ever had insurance canceled or refused?" This is a life question with no time boundaries. Can I ever drive again? For murder, I'd get 12 yrs! I feel very hard done by and initial thoughts from the Fin. Omb is that it won't be reversed.
It's no help to you now Jim, but it's why I'm insisting (or trying to) that everything is done by email. I have been trying to report an accident that did not result in a claim (the other party fixed my car) to Swiftcover and it's turning into the kind of nightmare that yours has. In the meantime I reported it to my mortorbike insurer and during the course of the to-and-fro emails it was obvious that they had not covered my bike properly. They told me so in a rather high-handed fashion until I pointed out that all the original negotitaion had been done by email and they had agreed to all the stuff I'd told them. It just wouldn't have been corrected if we were both relying on telephone conversations.
Another thing - don't know whether you found this - but at least 3 people at Swiftcover have rung me to go through the details of the accident (fair enough) but on each occasion they have insisted on asking me every question related to the original insurance (eg any motoring offences, any accidents any other cars, is it garaged) .... I am convinced they are hoping I'll contradict myself in one of their recorded conversations and can later point to this in a refusal of a claim.
I'm thinking of getting a financial journalist involved in this scandal - keep posting your story on here, as the more examples we have the better case we may have to make to the Ombudsman.
Apart from the extra money this is costing me, it's the waste of my time that is frustrating.
Mike
Canceled Insurance - How do I get reinsured?
canceled 2 years ago by admiral. I lent my car to a friend who told me his policy covered him third party. That night he parked it in wood and wrote it off, the next day we found out that his policy didn't cover him. Luckily noone else was involved or hurt, and I telephoned my insurance company out of courtesy to tell them about the incident and not to make a claim. 4 weeks later they canceled my policy as I had breached the T&Cs by allowing a person to drive my car uninsured.
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