Car trashed in flood. It should be covered on insurance BUT I forgot to tell them abt points. Will they defer?
Answers:
Hello,
I am a former fraud handler for an insurance company. This claim will all depend on how bad the misrepresentation is and whether the insurance company believe it to be deliberate or not.
If they do then they can decline the claim. If not then the ombudsman will say they have 3 options.
Accept the misrepresentation and deal with the claim.
Accept the misrepresentation and charge the correct premium for the correct risk (ie what they would of charged you if you had told them).
Or decline the claim as if you did tell them then they would not of insured you in the first place.
Good luck
ps it does not matter that you were not driving your car at the time. This is something you should of told your insurer and if I was handling your claim I would be looking to at least increase your premium as a deterrent.
no they shouldnt
Sounds like misrepresentation to me.
I had my car stolen, when I went to the insurance company they wanted a photocopy of my license, I sent it off. They noticed I had points I didnt tell them about, so the refused to pay out, saying I had broken the clause of my insurance.
I don't know about the UK but in the states, your car insurance policy has to state that it covers " acts of God." If it doesn't, then your car isn't covered.
My best advice to you is to read your policy well and call your insurance company.
Your auto should still be covered as long as your points had no effect on the total loss of the vehicle; however, you may have to contact a reputable barrister to defend you if they bring up the points. He should be able to delineate your points as having nothing to do with the loss of the vehicle. Of course, they will still depreciate the value of the vehicle and this is where you have little or no control. Their formulas for the depreciation are of course geared to their benefit and you have to pay the deductible, regardless of the total.
as far as i know if you have points and not told the insurer your insurance is actually void so dont reckon they will pay
I AM A CLAIMS HANDLER FOR AN INSURANCE BROKER. IT ALL DEPENDS ON WHO YOUR INSURERS ARE AS TO WEATHER THEY WOULD DEAL WITH YOUR CLAIM OR NOT SOME WILL BUT MAY NOT PAY OUT AS MUCH AS THEY WOULD HAVE IF U TOLD THEM. SOME MAYSAY THAT ITS FALSE REPRESENTATION. ALL YOU CAN DO IS TRY GOOD
LUCK. (P.S IF OVER 5 YEARS AGO IT WON'T MATTER) X
Could do, you always need to tell them of anything that has happened, getting points and not telling could mean that they decide your insurance is invalid. Your insurance document will say that quite clearly.
You may be lucky as the flood would have happened even if you told the insurance company. They may argue however that they would not have insured you if they had knaow about the points. If they will not pay try the insurance ombudsman, as they may be able to help and argue your case for you.
as its not a traffic accident you committed you should be ok to claim as its the flood that damaged your car.
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