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Etch

Motor Insurance - Statement of Fact incorrect

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Hi, new to the forum and looking for some advise. I took out my car insurance back in Feb 09 and am in the process of making a claim for some damage i did to the car ( no-one else involved and on private property)

 

I was reviewing my insurance policy for details of the excess etc and have noticed that on the statement of fact, my insurance broker has listed my car as a 1396cc but my car is a 1984cc. Im going to call my broker on monday to sort this out, but i worried that as i had the policy for 6 months that the insurance co might void the policy and i could be charged with no insurance.

 

Can anyone give me any advice.

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they will just charge you an additional premiun if applicable from the inception date for changing the engine size,you should then take this up with your broker as you give them all the details and you took out that insurance based on that so this was partly their error. Although they may come back with the old "your policy does ask you check that all the information is correct etc"

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Did you check the policy when you recived it from the insurance company ? it does state that all infomation should be checked upon recieving, the engine size will matter as the costs will be higher, and it might out weigh any claim you intend putting in, did you keep a copy of your quote ? lets to say i bought insurance, didnt add say 3 points i had, had a crash made a claim, insurer says why you not tell us about ur points, oh i informed my broker, have you proof of this, no i havn't, false information makes insurance invalid, and me not insured, whos to blame ? Insurance company or broker, or myself ?

You can blame any1 but all will say you should have checked paperwork and highlighted any thing not correct within certain time period, not 6 mths down line when making claim from insurers. Mistake on your part that might end up exspensive.


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Thanks for your replies. I'm actually considering paying for the damage to be repaired myself rather than claiming on my insurance, so the claim isn'y my biggest concern.

 

I did ask for a quote based on a 2 litre car and accepted that, but i failed to check the documents correctly when they send me the paperwork. It was only checking my excess that i realised the error. It was totally an oversight and i in no way was trying to get away with false information. I'm usually so careful at checking these things, just forgot this time round.

 

I'm gonna call my broker tomorrow morning and hope that it'll just be a case of paying an additional premium. And i'll not bother making a claim to get ma car fixed. Just want to be insured for my car and not end up with a void policy because i didn't check the documents. The certificate of insurance does state the engine size.

 

Just have to see what happens when I call the broker tomorow.

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Thanks for your replies. I'm actually considering paying for the damage to be repaired myself rather than claiming on my insurance, so the claim isn'y my biggest concern.

 

 

You are still contractually obliged to inform your insurer, even if you are not claiming.

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