Named driver crash my car - I have no details of what happen

[Baldchap]

I'll get slated for saying this but my advice would be to advise the insurance in the least verbose manner possible and volunteer as little as possible.

We got burned on some event insurance (cancelled due to COVID) to the tune of £25k simply because one of the organisers had got married and not advised the change in circumstances. Was nailed by an updated email address and being 'helpful' in the chat regarding the claim.

Insurers are not on our side and should be treated as such. Say nothing that isn't an answer to a direct question and volunteer nothing.

[Unreal]

triathlonstu said:

Unreal said:

I have plenty of information I don't want to share.

I don't want you to share it either, so that's a relief.

A win win.

Hopefully we'll get the details people have requested from the OP and the conversation can return to their options.

I'd have thought the insurer would be fairly quick off the mark in the circumstances.

[vaud]

Baldchap said:

We got burned on some event insurance (cancelled due to COVID) to the tune of £25k simply because one of the organisers had got married and not advised the change in circumstances. Was nailed by an updated email address and being 'helpful' in the chat regarding the claim.

Surprised that it was material for them to deny the claim... did you go to the ombudsman?

[Ken_Code]

vaud said:

Surprised that it was material for them to deny the claim... did you go to the ombudsman?

Is that possible on business insurance? I thought the ombudsman was only for consumers.

[alscar]

vaud said:

Baldchap said:

We got burned on some event insurance (cancelled due to COVID) to the tune of £25k simply because one of the organisers had got married and not advised the change in circumstances. Was nailed by an updated email address and being 'helpful' in the chat regarding the claim.

Surprised that it was material for them to deny the claim... did you go to the ombudsman?

Would be curious as to why a simple change in circumstance affected event cancellation insurance in this way as sounds more an admin issue than an attempt to mislead Insurers ?

[Unreal]

alscar said:

vaud said:

Baldchap said:

We got burned on some event insurance (cancelled due to COVID) to the tune of £25k simply because one of the organisers had got married and not advised the change in circumstances. Was nailed by an updated email address and being 'helpful' in the chat regarding the claim.

Surprised that it was material for them to deny the claim... did you go to the ombudsman?

Would be curious as to why a simple change in circumstance affected event cancellation insurance in this way as sounds more an admin issue than an attempt to mislead Insurers ?

I think we would all be interested to learn how the insurer got out of that one.

[vikingaero]

alscar said:

vaud said:

Baldchap said:

We got burned on some event insurance (cancelled due to COVID) to the tune of £25k simply because one of the organisers had got married and not advised the change in circumstances. Was nailed by an updated email address and being 'helpful' in the chat regarding the claim.

Surprised that it was material for them to deny the claim... did you go to the ombudsman?

Would be curious as to why a simple change in circumstance affected event cancellation insurance in this way as sounds more an admin issue than an attempt to mislead Insurers ?

insurers have always denied claims for spurious reasons and will continue to do so because there is simply no punishment. They pay the policyholder and pay the £750 Ombudsman fee or zero if it is within the number of cases allowed within their levy, but there is simply no financial punishment. If the Ombudsman said to them: Look this is the 100th time this year you're taking the piss, here's a a further £1m fine then they might stop.

How many people have historically been denied payouts because of No MOT=No Insurance? Etc Etc. It's only because we are so much more aware as consumers that we can push back.

[PistonBroker]

Unreal said:

alscar said:

vaud said:

Baldchap said:

We got burned on some event insurance (cancelled due to COVID) to the tune of £25k simply because one of the organisers had got married and not advised the change in circumstances. Was nailed by an updated email address and being 'helpful' in the chat regarding the claim.

Surprised that it was material for them to deny the claim... did you go to the ombudsman?

Would be curious as to why a simple change in circumstance affected event cancellation insurance in this way as sounds more an admin issue than an attempt to mislead Insurers ?

I think we would all be interested to learn how the insurer got out of that one.

Definitely.

Has to be more to that story.

Yours, a Chartered Insurance Broker.

[alscar]

vikingaero said:

insurers have always denied claims for spurious reasons and will continue to do so because there is simply no punishment. They pay the policyholder and pay the £750 Ombudsman fee or zero if it is within the number of cases allowed within their levy, but there is simply no financial punishment. If the Ombudsman said to them: Look this is the 100th time this year you're taking the piss, here's a a further £1m fine then they might stop.

How many people have historically been denied payouts because of No MOT=No Insurance? Etc Etc. It's only because we are so much more aware as consumers that we can push back.

You might well be right in terms of people now being more aware but based on the information given thus far in this regard there is more to be told.
Insurers reasons for claim declinature are not usually for spurious reasons though and neither are they given as instant knee jerk reactions.

[Monkeylegend]

Unreal said:

I think we would all be interested to learn how the insurer got out of that one.

I know how but I don't wish to share that information with you.

[Unreal]

Monkeylegend said:

Unreal said:

I think we would all be interested to learn how the insurer got out of that one.

I know how but I don't wish to share that information with you.

U ok hun?

[Monkeylegend]

Unreal said:

Monkeylegend said:

Unreal said:

I think we would all be interested to learn how the insurer got out of that one.

I know how but I don't wish to share that information with you.

U ok hun?

Are you for real?

[LivLL]

justamumof3 said:

LivLL said:

If you ever wonder why car insurance is so expensive.......

OP, why would you collect a "completely damaged......total write off" from the Police pound?

Just tell your insurance what you know, where the car is and leave it up to them to sort things out. That's why we pay so much, no to go chasing round yourself.

p.s. Is your brother injured?

I wasn’t aware of the damages. All I was told was that I needed to collect the car and probably need a tow truck. It wasn’t until I saw pictures of the car I thought it looks completely damaged and a total right off however I’m not a mechanic and know nothing about cars. I thought it’s my responsibility to collect it from the pound and I was worried about the charges going up.

I’ve contacted my insurance. Just waiting to hear back.

I’m not sure if my brother is injured and he wasn’t taken to hospital but his a big guy in a small car so I’m guessing it must be some scraps and bruises.

That’s good to hear, after all no matter how daft he’s been or what he’s been up to , cars can be replaced.

[pheonix478]

So if you're out on license (aka on probation?) and you get arrested you get recalled to prison, correct? Then presumably at a (much?) later date there is a trial. What if you're found not guilty? 'Soz mate' and let you go? Is being involved in an accident really grounds for being recalled until there has been an investigation? I'm not questioning the OP's version of events, just wondering how it works.

[lancslad58]

OP. where abouts it the UK are you? Sometimes the local police put out apppeals for witnesses if they are not entirely sure what happened.

Edited by lancslad58 on Wednesday 24th April 18:23

[OddCat]

Monkeylegend said:

Unreal said:

I think we would all be interested to learn how the insurer got out of that one.

I know how but I don't wish to share that information with you.

[Ken_Code]

pheonix478 said:

So if you're out on license (aka on probation?) and you get arrested you get recalled to prison, correct? Then presumably at a (much?) later date there is a trial. What if you're found not guilty? 'Soz mate' and let you go? Is being involved in an accident really grounds for being recalled until there has been an investigation? I'm not questioning the OP's version of events, just wondering how it works.

You don’t need to have committed a crime to be recalled, so being found not guilty isn’t an issue in terms of the recall.

[Pit Pony]

Hilts said:

Have you tried to obtain a quote for car insurance from them directly? (Not through a comparison site to be clear.)

Direct line doesn't do comparison sites.

[Hilts]

Pit Pony said:

Hilts said:

Have you tried to obtain a quote for car insurance from them directly? (Not through a comparison site to be clear.)

Direct line doesn't do comparison sites.

OK, I'll edit my quote.

Have you tried to obtain a quote for car insurance from them directly?

[lancslad58]

Look like we're talking amongst ourselves, OP hasnt posted since early yesterday morning.