dacouc
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I've seen a similar(ish) case recently where the Ombudsman decided the Insurer acted badly and is looking to award between £150 and £250. Try making an "Official Complaint" (Keep it polite, outline the issue and your ideal resolution). If you're not happy with RAC's answer / offer you can then take it to the Ombudsman
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Being forced to get business insurance for vehicle
dacouc replied to trickyricky's topic in Motor Insurance
It is incredibly difficult for an Insurer to cancel the policy from inception (For obvious reasons), to be able to do this the Insurer needs to prove serious intent to defraud them. The policy would then be voided "Ab Initio" Voiding a policy in such a way was very very rare in the past, it is even more rare now as thanks to the Insurance Derrgulation Act voiding the policy in such a way (Still) leaves the Insurer potentially liable for claims. The common way since the recent introduction of the Act is to cancel the policy giving seven days notice in writing. This is a complex area -
Defendant insurer refusing to pay for credit hire vehicle
dacouc replied to Xiolen's topic in Motor Insurance
Further to Supervillain's post, if it was not the third parties garage it would have been your broker who arranged the repairs and the credit hire and it was presented to you (Loosely enough) that you thought they were calling from the other Insurer -
ADVICE REQUIRED: Accident Management Company asking for bank statments
dacouc replied to carthings's topic in Motor Insurance
Supervillain explains it perfectly -
This will alarm some people... https://www.theguardian.com/technology/2018/apr/21/arron-banks-insurance-personal-data-leave-eu?CMP=share_btn_tw
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Car Insurance - Taking out new policy before old policy runs out...
dacouc replied to mrk123's topic in Motor Insurance
If you do not cancel your previous Insurance, when your new company asks you to provide proof of your no claims bonus you will not be able to provide it -
You may find this helpful... http://www.financial-ombudsman.org.uk/publications/ombudsman-news/25/25-disclosure-of-spent-motoring-convictions.htm I foresee a nice juicy cheque as an apology coming your way from the bank
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Do you have the same Insurer for your car Insurance and home Insurance? Did you have an accident at the same time as the drink drive conviction? What is the exact wording of the question your Insurer asked you about "convictions" on your renewal?
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How did your Home Insurers discover the conviction?
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Interesting recent FOS ruling
dacouc replied to dacouc's topic in Insurance/Assurance Companies (Not Car Insurance)
143/4 and 143/5 Are also worth reading for other relevant rulings http://www.financial-ombudsman.org.uk/publications/ombudsman-news/144/144-insurance-pricing.html -
http://www.financial-ombudsman.org.uk/publications/ombudsman-news/144/144.html 144/3 – Mr A complains that his home insurance is too expensive Mr A, in his eighties, had been living with dementia for a few years. He didn’t use a computer, and his wife, who’d always taken care of the home expenses, had died about seven years before. So after this he’d asked the insurer to send things to him by post. Mr A’s nephew got in touch with us when helping his uncle out with his household finances. He’d noticed the home insurance for his uncle’s two-bedroom terraced home was £1,400. He’d foun
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Admiral pursuing me for partner's uninsured driving
dacouc replied to chester28's topic in Motor Insurance
Bear in mind that if they had obtained judgement against your husband, then it would have added further costs to the claim for you to pay. It is standard practice for Insurers to pay claims without going through courts where the claim circumstances and / or value are undisputed. Also bear in mind that it would be surprising if Admiral had medical evidence a couple of months after the accident to support the injuries. Generally the third party would visit their GP or Hospital (Although this is not essential) and evidence of this may not have been available a few months after the accid -
This struck me when I read the OP. The communications would normally be through the Insurers of the vehicle and the fact that the MID are writing to the registered keeper would indicate there is a problem somewhere along the line
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XS Direct 3k Total Excess - Worried regarding Debt Collectors
dacouc replied to Jayden1994's topic in Motor Insurance
Stupid question, but how did Hyperperformance explain the All Sections excess? Did they just tell you it applies to all sections or did they tell you that it is paid if you claim or did they properly explain how it works? -
XS Direct 3k Total Excess - Worried regarding Debt Collectors
dacouc replied to Jayden1994's topic in Motor Insurance
The Ombudsman may disagree that XS Directs cancellation charges are acceptable as the FOS would not normally accept that level of charges for a cancellation unless the Insurer can justify it. The Insurer may argue that due to the profile of the type of drivers they attract they need high charges to cover the costs of drivers taking cover out and then cancelling or defaulting part way through the policy http://www.financial-ombudsman.org.uk/publications/ombudsman-news/54/insurance.htm
