Showing up as at fault for accident incorrectly *insurance
Discussion
Hoping for some help in quite a complex insurance quote issue.
My partner has recently started her own insurance policy after being a named driver on her ex partners policy for several years. When she came to start the policy the insurer told her that she was at fault for an accident in 2014, at that time it was her ex partner who was at fault for the accident, he was driving a his fathers car of which they were both named driver on his policy. He had hit a parked car and the car was written off. As far as she was aware the insurance paid out for the damage to the two cars and in the following years she has always arranged the insurance for her ex partner and she has been a named driver on his policy stating that he had a claim against him. She had never had any issues gaining insurance for the two of them. A couple of years ago she was also in an accident where she was the named driver of her exes car and it was a non-fault accident as she was hit from behind whilst stationary at a roundabout. Whilst getting her own insurance policy in the last couple of weeks they have told her that she was at fault and named as the person who caused the accident in 2014 which is incorrect. The guy who she spoke to from the insurance company was very helpful but obviously added a premium because of the fault accident that she wasn’t even a part of. Who do we need to speak to to try and prove that it wasn’t her that caused the accident? The relationship between her ex and her ex father-in-law is difficult and would the insurance company want to speak to the policyholder and not her?
My partner has recently started her own insurance policy after being a named driver on her ex partners policy for several years. When she came to start the policy the insurer told her that she was at fault for an accident in 2014, at that time it was her ex partner who was at fault for the accident, he was driving a his fathers car of which they were both named driver on his policy. He had hit a parked car and the car was written off. As far as she was aware the insurance paid out for the damage to the two cars and in the following years she has always arranged the insurance for her ex partner and she has been a named driver on his policy stating that he had a claim against him. She had never had any issues gaining insurance for the two of them. A couple of years ago she was also in an accident where she was the named driver of her exes car and it was a non-fault accident as she was hit from behind whilst stationary at a roundabout. Whilst getting her own insurance policy in the last couple of weeks they have told her that she was at fault and named as the person who caused the accident in 2014 which is incorrect. The guy who she spoke to from the insurance company was very helpful but obviously added a premium because of the fault accident that she wasn’t even a part of. Who do we need to speak to to try and prove that it wasn’t her that caused the accident? The relationship between her ex and her ex father-in-law is difficult and would the insurance company want to speak to the policyholder and not her?
Rallynav said:
Whilst getting her own insurance policy in the last couple of weeks they have told her that she was at fault and named as the person who caused the accident in 2014 which is incorrect. The guy who she spoke to from the insurance company was very helpful but obviously added a premium because of the fault accident that she wasn’t even a part of. Who do we need to speak to to try and prove that it wasn’t her that caused the accident?
She needs to get in touch with her company now who are charging extra for the accident that wasn't hers, tell them that the CUE database is wrong, and if they refuse to remove the loading, she needs to ask for full details of their complaints procedure and escalate it thru there before going to the ombudsman.She should also throw the phrase "treating customers fairly regulations", just to put the wind up them.
It's a database, that's all. And is only as good as the fool inputting the data. No insurer should charge someone for an accident that they have signed a declaration to say they didn't have (the proposal from) on the basis of a database.
Was the third party's insurance with Tesco ? I had a similar non fault after being hit by a Tesco's insured TP. Didn't go through my insurance, but Tesco put me at fault on CUE. Couldn't get them to change it despite trying my hardest. Have has to get my insurance companies to call Tesco on each renewal to confirm the accident. This is now nearly five years old, so should have fallen of the bottom by now.
I suggest she finds out more about the details of the 2014 accident.
I "had an accident" in which I wasn't even present but in insurance terms I'm at fault....my car was damaged whilst parked and as the other driver didn't leave a note and cc tv wasn't available, there is no 3rd party to claim from...so I'm classed as at fault.
Is it possible the other driver was uninsured or false details / cloned car was involved.....and therefore the 2014 accident has gone down as at fault ?
I "had an accident" in which I wasn't even present but in insurance terms I'm at fault....my car was damaged whilst parked and as the other driver didn't leave a note and cc tv wasn't available, there is no 3rd party to claim from...so I'm classed as at fault.
Is it possible the other driver was uninsured or false details / cloned car was involved.....and therefore the 2014 accident has gone down as at fault ?
My wife had a claim in early 2017 in a car we both drive, but it was insured by me, with her as a named driver.
Our insurer notified the CUE database, as always, of the accident, and that it was her fault, but they recorded it as my fault.
I was 90 miles away at the time of the accident and could have proved it if necessary. They (Equity Red Star) discovered that CUE had recorded it incorrectly later in 2017 and emailed CUE to ask them to change their records, but CUE failed to do so.
The continued error by CUE only came to my attention this June, when I changed my insurance company on a different car, and the new insurer wrote to me a week after commencement of the policy, accusing me of being a liar and charging me an extra £123, but giving me 7 days to respond. My response, as you can imagine, was firm, and I protested my innocence, but immediately cancelled the policy rather than fail to pay and have an insurance refusal on my record.
It took three notifications by the insurer to CUE that they had got it wrong, and a lot of phone calls and emails from me to CUE, to get this corrected, despite Equity Red Star providing me with copies of their confirmatory emails to CUE from 2017 and 2018. So keep at it, but you do need to get the insurance company concerned with the original accident involved on your behalf.
The other thing to watch out for is other named drivers having accidents on policies where you are the insured and they are named drivers - I have found that some insurers load your premiums simply because you have claims on policies in your name, regardless of who was driving.
Our insurer notified the CUE database, as always, of the accident, and that it was her fault, but they recorded it as my fault.
I was 90 miles away at the time of the accident and could have proved it if necessary. They (Equity Red Star) discovered that CUE had recorded it incorrectly later in 2017 and emailed CUE to ask them to change their records, but CUE failed to do so.
The continued error by CUE only came to my attention this June, when I changed my insurance company on a different car, and the new insurer wrote to me a week after commencement of the policy, accusing me of being a liar and charging me an extra £123, but giving me 7 days to respond. My response, as you can imagine, was firm, and I protested my innocence, but immediately cancelled the policy rather than fail to pay and have an insurance refusal on my record.
It took three notifications by the insurer to CUE that they had got it wrong, and a lot of phone calls and emails from me to CUE, to get this corrected, despite Equity Red Star providing me with copies of their confirmatory emails to CUE from 2017 and 2018. So keep at it, but you do need to get the insurance company concerned with the original accident involved on your behalf.
The other thing to watch out for is other named drivers having accidents on policies where you are the insured and they are named drivers - I have found that some insurers load your premiums simply because you have claims on policies in your name, regardless of who was driving.
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