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Insurance Cancellation
luxury fruit
post Tue, 12 Jun 2018 - 17:33
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So I was insured by Directline fully comp for almost a year when I got a letter through the post a couple weeks ago, saying my policy was being cancelled due to inaccurate information. I had taken out the policy using a broker. Having spoken to the Directline agent, I now find that the broker was actually unregistered and had altered some details to lower the premium that did not show up on the policy documents I received, such as listing me as a homeowner with children under 16. I was at fault for one thing, which was my brother being listed as partner for additional named driver which I didn't think was enough of an issue to bother calling them up and having changed. Aside from this however I had no way of knowing false information was being filled in for me, and when I originally got into contact with the broker I was under the impression he had an employee discount or something.

I passed on the information to the broker who said he would get in touch, but he has since gone silent and I'm assuming he won't be in touch any time soon. However, on waiting for him to get back to me the 2 week cancellation notice period also ran out, so my policy has already been cancelled. I am waiting for a reply from an email sent to Directline to appeal and give them details regarding the issue to see if they could either reconsider or even just extend the cancellation period so that I could cancel it myself, as I have been looking around in the mean time for alternative quotes and most of the big insurers don't even offer insurance for cancelled policies, and even the specialists like Adrian Flux are given ridiculous quotes of around 5k. I've also heard that insurers aren't likely to check for cancelled policies if you do not declare it even though it is stored on their database, or is this a no-no? I don't really want to do anything to cause further trouble but right now it's looking like I'm going to be without a car for the next 5 years.

Any ideas on how to proceed? Is it worth calling insurers direct and explaining the situation or are they unlikely to budge?

Thank you for any help.
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post Tue, 12 Jun 2018 - 17:33
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notmeatloaf
post Tue, 12 Jun 2018 - 17:57
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How were you at fault for saying your brother was your partner?

I would imagine the problem you will face is that will have had a much bigger impact in premium than being a homeowner or having kids. So you are effectively going to Direct Line and telling them you told the big lie, but someone else told some smaller lies so please give you a break.

New insurance rules came in to loosen to an extent the rules on declaring information to insurers but deliberately giving false information is way beyond any such protection.

Best thing to do would be to get some insurance now declaring that you have had some cancelled. If DL agree to reinstate the policy as a gesture of goodwill then great, but I would not rely on it. Someone a while back here posted that it did not make a significant difference when they shipped around.
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luxury fruit
post Tue, 12 Jun 2018 - 18:08
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Thanks for the reply. I made the mistake of not really checking through the policy documents properly when they came through, only noticing the error after changing the policy over to my new car which was about a week before receiving the cancellation notice. The agent I spoke to mentioned there were a few other issues that flagged the policy, none of which I had any way of knowing that had been filled in by the broker. My mistake was in using a broker in the first place, but on top of that not verifying the broker was actually registered (which to be honest I hadn't even considered something necessary to do).

Any suggestions on insurers likely to overlook or be less concerned with cancelled policies?
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cp8759
post Tue, 12 Jun 2018 - 22:12
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QUOTE (luxury fruit @ Tue, 12 Jun 2018 - 19:08) *
Thanks for the reply. I made the mistake of not really checking through the policy documents properly when they came through, only noticing the error after changing the policy over to my new car which was about a week before receiving the cancellation notice. The agent I spoke to mentioned there were a few other issues that flagged the policy, none of which I had any way of knowing that had been filled in by the broker. My mistake was in using a broker in the first place, but on top of that not verifying the broker was actually registered (which to be honest I hadn't even considered something necessary to do).

Any suggestions on insurers likely to overlook or be less concerned with cancelled policies?

Having a policy cancelled will cause you a lot of problems, and you have to declare it forever, not just for five years. I would make a complaint, on the basis that you are actually a victim of fraud, and Direct Line should, in line with the principle of Treating Customers Fairly, offer to amend the policy to reflect your correct details, in exchange for payment of a revised premium. If they refuse, you can then take them to the financial ombudsman.


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I am not on the "motorists's side", nor am I on the "police/CPS/council's" side, I am simply in favour of the rule of law.
No, I am not a lawyer.
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The Rookie
post Wed, 13 Jun 2018 - 12:32
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Broker->DIRECTLine should be a big red flag!

Formal complaint to DL, also get onto trading standards.

make sure your car is insured or SORN or you'll just be adding to your woes.


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There is no such thing as a law abiding motorist, just those who have been scammed and those yet to be scammed!

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