insurance question

[Madmac70]

Hi all,

Opinions of the ph collective (especially Loon if you are on) please.

My wife's best best friend has been utterly stupid and I have been charged with finding the most painless route through the minefield.

She allowed her car insurance to auto renew earlier this year and didn't declare an offence (driving on phone) and the inevitable has happened, she has had an at fault accident this evening.

I have indicated that best case is that she will pay the difference in premium that this endorsement would have attracted and worst case insurance would have been refused and will be canceled from point of inception.

Am I correct? Which is most likely? Is there an in between? What are the consequences of each?

Lots of questions I know, but you guys are a fountain of knowledge and I salute you all.

Thanks

Mac

Edited by Madmac70 on Wednesday 16th July 19:28

[Madmac70]

Thanks all,

I guess she is in for a rather awkward conversation with ins Co. Fortunately her car is a £750 snotty so that is not too painful. But if the insurance policy is cancelled what are the implications of having to answer 'that' question?

Thanks again

Mac

[Madmac70]

Hi all,

It is much worse than it originally appeared. The stupid woman declared the endorsement to her previous insurer at renewal and saw a spike in the premium, then went elsewhere and didn't declare it. After a year at renewal time still hid the fact. Worse still, her other half, a named driver, received three stars for speeding before the renewal and she didn't declare that either.

I know that we usually think of the insurance industry as a bunch of crooks but is it any wonder when there are muppets like this. I think the gene pool needs more chlorine.

Mac

Edited by Madmac70 on Thursday 17th July 04:44