My car's just been hit by a bus, whilst parked outside my house. The driver drove away but I have the registration. Rang the insurance company, who now want to charge me £174 for a speeding ticket my second driver had 4 years before this policy was taken out, in a different car with a different insurance company! They say that they can't get it fixed and I'm not insured until I pay up.
Can they get away with this?
Thanks!
2007-10-04 07:01:28 · 10 answers · asked by dave l 1 in Cars & Transportation ➔ Insurance & Registration
Well for a start leaving the scene of an accident is an offence so you need to call the police with the registration details, try to find witnesses too.
They must have asked what endorsements you had at the start and you must have been in accurate. So your insurance company is only asking for this extra money relating to the points on your licence. They can void the policy all together, so I would pay it and then get the vehicle repaired and then go to confused.com and find a new quote to recoup the money.
2007-10-04 07:07:01 · answer #1 · answered by My name's MUD 5 · 2⤊ 0⤋
Yes of course they can. It is a legal obligation on the part of the insured person to tell the insurance company of any change in the information on the policy. A speeding ticket is counted as a change. Because one speeding ticket = someone more likely to have an accident in future.
Your insurance has technically been invalid all this time.
2007-10-04 07:04:47 · answer #2 · answered by Anonymous · 2⤊ 0⤋
All motor insurers will ask you "Have you had any motoring claims, accidents or convictions in the last 5 years?".
If you have, you are required BY LAW to tell your insurer. By not telling your insurers you had a speeding ticket 4 years previously, you have invalidated your insurance.
If they really wanted to, they could quite legitimately get you prosecuted for fraud. You chose not to disclose a 'material fact' to your insurers and you are now facing the consequences.
2007-10-04 10:17:39 · answer #3 · answered by Nightworks 7 · 0⤊ 0⤋
You have failed on the basic concept of utmost good faith (Uberrima Fides) because you have failed to declare a relevant fact which can affect the premium or indeed if the insurer is willing to insure. Yes they can charge you the correct premium. I do not know if they pass it on to your original insurers but I think they will have a sort of arrangement to save costs. it is a very basic fact with insurance if in doubt tell them. The main cases I found on this seem to be shipping law but the principal applies in all insurance
2007-10-04 09:22:49 · answer #4 · answered by Scouse 7 · 1⤊ 0⤋
Insurance companies will find any loop hole not to pay out. If when you filled out your details on the original policy documents you entered incorrect or false information they are in the right to refuse a payout.
2007-10-04 07:10:46 · answer #5 · answered by Anonymous · 1⤊ 0⤋
The "different car, different insurance company" is irrelevant.
You are required to divulge *all* previous convictions (for the last 5 years) of all the named drivers.
2007-10-04 07:08:12 · answer #6 · answered by ? 7 · 2⤊ 0⤋
there is not any statute for warrants, in straightforward terms the time from the crime to once you're charged. you will ought to touch the court docket to make arrangements to shield it. i've got seen warrants over 15 years previous for straightforward site visitors tickets.
2016-10-10 07:33:31 · answer #7 · answered by ? 4 · 0⤊ 0⤋
Did they charge you that amount? If so, then I guess they can.
How many insurance experts do you think are on here that are willing to help you?
2007-10-04 07:04:08 · answer #8 · answered by Jim H 3 · 1⤊ 1⤋
Yes - They can get all your driving records or anyone who has driven your vehicles.
2007-10-04 07:05:28 · answer #9 · answered by Pancake 7 · 2⤊ 0⤋
when you take out insurance you state that you are not KNOWINGLY witholding information...play dumb and say you never knew
2007-10-04 07:05:05 · answer #10 · answered by ginger 6 · 1⤊ 1⤋