Steve

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Insurance company refusing to pay out claim because IN10 conviction was not declared

Is there anything I can do if my insurance company refuse to pay out on my fully comp policy after I had an accident because they say I did not declare an IN10 conviction on my application? This was done on web site I have declared other endorsements but for some reason the IN10 was not saved on the application, not sure if this was my fault!

Steve   (Level 1)  |   Advice  |   03 Mar 2010 10:36
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gices gices  (Level 1)  |   12 Apr 2010 05:50

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To be honest, there's nothing much you can do because it is your responsibility to check the policy documents to make sure the details listed are correct. If you haven't notified the insurer that the IN10 conviction was missing on the policy, then they would assume you didn't have one and that forms the basis of the policy contract and is reflected in a lower premium. All car insurance companies send out the car insurance policy through the post even for online only companies (accessible through websites only) and therefore you would be blamed even if the website was faulty.

Even if you can prove the website has a problem, you would still be liable for not checking the paper policy documents. So unfortunately, your insurance would still be considered as invalid.

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