- Thu Mar 29, 2018 5:08 pm
#75165
Hi Edward-------at the end of last Summer ( 2017 ) I had a non-attributable accident in our car, which given it's age and type was "Written off" and a cash sum paid out (I'm a "Named Driver" on Joyce's Policy )....................Last month, as my BIKE Insurance was due to be renewed I remembered about the CAR accident and asked my Broker if I really needed to inform them about the CAR accident.... my understanding being that the Insurance Databases are all linked nowadays and they would have been told, wouldn't have they ??....and it's A BIKE policy I'm renewing so it doesn't matter, does it ??............We contacted the Insurance company just to confirm that the CAR details had indeed been sent to them??.....Guess what ??---------"Thank you Sir for informing us of the CAR accident-----No, we hadn't been informed but now that we do know your BIKE Insurance has now been cancelled as Null and Void !!"............Reason for this was given as}---- "Failure to Disclose" ....Beggars belief but I assure you that's exactly what happened.......So, through no fault of my own ( other than ignorance of how the system works ) I now have a black mark against my Insurance record and the premiums of BOTH CAR and BIKE have gone up.......