Weird insurance conversation
Discussion
Couldnt find an insurance category apologies if I am in the wrong place, but wanted a view on this...
In 2019 my wife owned a car, she was the registered owner and main policy holder on the insurance with a well known insurer, this car was hit whilst parked up and no one in the car. Fortunately CCTV caught the offender who had driven off. My wife put in a claim with the insurer who contacted their insurers and they paid out. I was at the time a named driver on her car, just in case I needed to use it.
Fast forward to 2022 and I bought a car in March and ended up using the same insurer for the first time, whilst my wife now has another car still insured with them. I got to the quotation online bit where it asks me as the driver of this new purchase...
"Has the driver had any accidents, losses, thefts, incidents or claims in the last 3 years (regardless of fault) Please complete this section with details of all accidents, losses, thefts, incidents or claims in the last 3 years (regardless of fault). This includes incidents that have occurred while driving a different vehicle or while a driver was insured under your or any other policy."
To be honest I just thought no, I haven't clicked it and carried on. Anyway, 3 months after starting the insurance their validations team send me an email yesterday increasing my payments for the remaining 9 months (I pay DD monthly) by 25% saying I had not declared my claim from 2019.
OK I get it if thats the rules fine, but that question doesnt actually say that. My wife made the claim, not me. I havent had any accidents losses or thefts or incidents, my wife did with her car.
In 2019 my wife owned a car, she was the registered owner and main policy holder on the insurance with a well known insurer, this car was hit whilst parked up and no one in the car. Fortunately CCTV caught the offender who had driven off. My wife put in a claim with the insurer who contacted their insurers and they paid out. I was at the time a named driver on her car, just in case I needed to use it.
Fast forward to 2022 and I bought a car in March and ended up using the same insurer for the first time, whilst my wife now has another car still insured with them. I got to the quotation online bit where it asks me as the driver of this new purchase...
"Has the driver had any accidents, losses, thefts, incidents or claims in the last 3 years (regardless of fault) Please complete this section with details of all accidents, losses, thefts, incidents or claims in the last 3 years (regardless of fault). This includes incidents that have occurred while driving a different vehicle or while a driver was insured under your or any other policy."
To be honest I just thought no, I haven't clicked it and carried on. Anyway, 3 months after starting the insurance their validations team send me an email yesterday increasing my payments for the remaining 9 months (I pay DD monthly) by 25% saying I had not declared my claim from 2019.
OK I get it if thats the rules fine, but that question doesnt actually say that. My wife made the claim, not me. I havent had any accidents losses or thefts or incidents, my wife did with her car.
Moderator edit: no name and shame
Reading what you've put.
The only connection you had to the 2019 claim was being a named driver on the policy.
If that's the case, I think they're wrong to charge you extra, it wasn't your car, your insurance policy, and you weren't the driver.
And the owner, policy holder and driver that made the claim isn't a driver on your new policy.
Defo don't think it's right.
The only connection you had to the 2019 claim was being a named driver on the policy.
If that's the case, I think they're wrong to charge you extra, it wasn't your car, your insurance policy, and you weren't the driver.
And the owner, policy holder and driver that made the claim isn't a driver on your new policy.
Defo don't think it's right.
Thanks Phil, yes everything you stated is as it is.
I spoke to them last night but I was honestly laughing my ass off so much at how ludicrous it was I just didnt know what to say. Told them I would get my senses back together and call them back. Definitely looks like either a genuine error, or worse, something they do to bump up revenues on unsuspecting people.
I spoke to them last night but I was honestly laughing my ass off so much at how ludicrous it was I just didnt know what to say. Told them I would get my senses back together and call them back. Definitely looks like either a genuine error, or worse, something they do to bump up revenues on unsuspecting people.
Not dissimilar story. I had an issue with a claim some years ago as wife and I had dual family policy and wife was involved in a claim driving the car that was registered to me.
Every time I renewed I had to enter the same claim twice, once under her as named driver on my car, once under her car.
Every time I renewed I got an email a few days later threatening to double my premium for not declaring that I'd been involved in two incidents at the same time, on the same day, in the same car.
Every time I renewed I had to get through to a sympathetic manager who amended the error. Until the next year. Think that's the route you might need to pursue initially.
Every time I renewed I had to enter the same claim twice, once under her as named driver on my car, once under her car.
Every time I renewed I got an email a few days later threatening to double my premium for not declaring that I'd been involved in two incidents at the same time, on the same day, in the same car.
Every time I renewed I had to get through to a sympathetic manager who amended the error. Until the next year. Think that's the route you might need to pursue initially.
coldel said:
Dingu said:
Have you actually spoken to them yet?
If as I’m understanding it the claim was against a policy in her name and this new policy is in your name without her as a named driver then the addition is an error.
Yes thats correctIf as I’m understanding it the claim was against a policy in her name and this new policy is in your name without her as a named driver then the addition is an error.
phil4 said:
Reading what you've put.
The only connection you had to the 2019 claim was being a named driver on the policy.
If that's the case, I think they're wrong to charge you extra, it wasn't your car, your insurance policy, and you weren't the driver.
And the owner, policy holder and driver that made the claim isn't a driver on your new policy.
Defo don't think it's right.
This. Sounds completely wrong.The only connection you had to the 2019 claim was being a named driver on the policy.
If that's the case, I think they're wrong to charge you extra, it wasn't your car, your insurance policy, and you weren't the driver.
And the owner, policy holder and driver that made the claim isn't a driver on your new policy.
Defo don't think it's right.
coldel said:
Thanks Phil, yes everything you stated is as it is.
I spoke to them last night but I was honestly laughing my ass off so much at how ludicrous it was I just didnt know what to say. Told them I would get my senses back together and call them back. Definitely looks like either a genuine error, or worse, something they do to bump up revenues on unsuspecting people.
You rang them up just to laugh at them and said you'd call back when you have your senses together?I spoke to them last night but I was honestly laughing my ass off so much at how ludicrous it was I just didnt know what to say. Told them I would get my senses back together and call them back. Definitely looks like either a genuine error, or worse, something they do to bump up revenues on unsuspecting people.
As mentioned above, maybe I'd make some notes and approach the next call with a calm and logical explanation and I'm sure they'll be likely to be able to fix it.
If they don't, ask for the complaints handling procedure and escalate, all the way to the Ombudsman if necessary.
coldel said:
increasing my payments ... by 25% saying I had not declared my claim from 2019.
That's their error there. The 2019 claim was not 'your claim'.An insurance claim is made by a party who has suffered a loss. The car was owned and insured by your wife, your wife suffered the loss, not you. And the claim would have been made in her name alone.
Defcon5 said:
If the named driver was the person that parked the car up before it was hit, is it ‘their’ accident?
^^^THIS.If, when the claim was reported by your wife in 2019, she was asked who was the last person to drive the car, and she answered that you were, then it's your claim, as a named driver on her policy.
ac.cobra said:
You were both insured to drive the same car, so it sounds to me that it goes down as a joint claim form insurance point of view.
That's how I understand it.
So if I have half a dozen people named as drivers on my car, and I have a claim, all 6 drivers have had a joint claim and need to declare it? Even thought some of them are only on for emergencies and never drive it? I don't think so. That's how I understand it.
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