At fault claim as a witness/pedestrian!?

[10PercentPlus2]

Son trying to insure his new car, had a clean license since the beginning, never involved in any accidents etc. However, insurance company say there's an at fault claim from him through LV in 2013- when he was 15! From what we can piece together, it seems to be relating to an accident he witnessed when walking back from the station (funnily enough, because he was too young to drive), and as the only person to see it occur provided a witness statement to an officer at the scene. He said he remembers something from LV coming through the post a few weeks later, but ignored it.

Any idea where to go on this? Insurance company said they have to add it to the policy even though they agree it was technically impossible for him to be at fault- setting the new premium at £4400...

[10PercentPlus2]

Thanks both for the replies. We will be calling LV in the morning to see what can be done.

Yes, we did call a few insurance brokers, however they all came out 300-400% more expensive than the standard EUI bunch.

[10PercentPlus2]

Thanks again all, very strange situation indeed! After talking to LV, they've sent an email advising he was an inactive witness, and that any queries from other insurers should contact them for confirmation- however, they've said its impossible to remove from the database, and "it will lapse soon so don't worry about it". 'Which?' however have advised me this could stand against his driving record for years to come if not removed, regardless of whether the insurance company say it will lapse soon.

We're starting with a Subject Access Request letter to LV, so we can fully understand what details/information (correct or otherwise) they hold on him.

Also, those saying £4400 is a lot- indeed, £3800 more than originally quoted! All I can say is thank fk he's never actually been involved in an at-fault, otherwise with a premium like that he'd have to live without a car for a bit longer!