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Named driver #1632574
17/05/2019 11:15
17/05/2019 11:15
Joined: Oct 2011
Posts: 702
Cornwall
jasgol Offline OP
Enjoying the ride
jasgol  Offline OP
Enjoying the ride

Joined: Oct 2011
Posts: 702
Cornwall
My insurance company want to charge me for not declaring a speeding fine, she’s a named driver on my policy so fair enough, however, I’m a bit pissed off with them for various reasons and would like to stick it to them, I won’t pay and won’t let her drive my car! (It’s ok she’s got one)
This seems a bit too easy, what’s the catch?
Cheers!


Horsing around's a serious business.
Re: Named driver [Re: jasgol] #1632579
17/05/2019 12:30
17/05/2019 12:30
Joined: Dec 2005
Posts: 7,222
Lightwater, Surrey, UK
DaveG Offline
Club Member 311
DaveG  Offline
Club Member 311
Forum is my life

Joined: Dec 2005
Posts: 7,222
Lightwater, Surrey, UK
The catch is that they will come after you for the charge. I had a similar dispute with Greenlight more than 10 years ago with the Porto 20vt Coupe. It was modified including Carelli seats which didn't go forward as much as the originals, so my wife as named driver never drove it, but she was insured. For a couple of years it transpired that her accident history had not been accounted for, I argued that they never sent me a renewal schedule confirming basic details like that, but they insisted on pursuing a claim for previous additional premiums through the courts. I went to court, but there was only me and the "judge" but rather than throwing out the case, he encourage us to come to a compromise and in the end I paid £300, I can't remember what the original claim was for. Naturally, I've never used Greenlight since...


1996 Portofino 20vt & 2000 Pearl White Plus
1985½ & 2016 2017 Fiat 124 Spider + XF Sportbrake
Re: Named driver [Re: jasgol] #1632581
17/05/2019 14:13
17/05/2019 14:13
Joined: Jan 2006
Posts: 9,876
SW London
suba Offline
Je suis un Coupé
suba  Offline
Je suis un Coupé

Joined: Jan 2006
Posts: 9,876
SW London
jas - how much are they trying to charge you, are they backdating several years?


Rotary fun - 370 bhp per ton. GT30's are small you know?!??!?!?!
Re: Named driver [Re: jasgol] #1632582
17/05/2019 15:16
17/05/2019 15:16
Joined: Oct 2011
Posts: 702
Cornwall
jasgol Offline OP
Enjoying the ride
jasgol  Offline OP
Enjoying the ride

Joined: Oct 2011
Posts: 702
Cornwall
Thanks Dave, I’m not sure yet Suba, I’m waiting to hear after they’ve ‘investigated’ us. It’s my first renewal with them.
I’ll keep you posted


Horsing around's a serious business.
Re: Named driver [Re: jasgol] #1632623
18/05/2019 11:05
18/05/2019 11:05
Joined: Feb 2017
Posts: 889
Leics UK
Ballypete Offline
Club Treasurer
Ballypete  Offline
Club Treasurer
Enjoying the ride

Joined: Feb 2017
Posts: 889
Leics UK
‘They’ know due to something called a ‘potential household member’ report. The speeding ticket doesn’t affect current policy cost but it does on renewal and that’s where the premium might be different. If you don’t declare (having signed to say you agree the terms) then you can get stung. The amount of data insurers have access to is quite frightening really. Although Clearly not in your case, they use the data to catch out those who deliberately lie to get reduced premiums, and we all suffer as a result.


Doris the 1998 Portofino Blue 20V
Bog standard needn't be boring...
Re: Named driver [Re: jasgol] #1632865
27/05/2019 09:09
27/05/2019 09:09
Joined: Oct 2011
Posts: 702
Cornwall
jasgol Offline OP
Enjoying the ride
jasgol  Offline OP
Enjoying the ride

Joined: Oct 2011
Posts: 702
Cornwall
They wanted £54 to amend my policy or £40 to cancel so no brainier for me. That e mail from the business development team didn’t go as well as they’d hoped.


Horsing around's a serious business.
Re: Named driver [Re: jasgol] #1633088
04/06/2019 12:17
04/06/2019 12:17
Joined: Sep 2007
Posts: 548
Freedom
Master_Mariner Offline
Club member 583
Master_Mariner  Offline
Club member 583
Enjoying the ride

Joined: Sep 2007
Posts: 548
Freedom
Originally Posted by jasgol
My insurance company want to charge me for not declaring a speeding fine, she’s a named driver on my policy so fair enough, however, I’m a bit pissed off with them for various reasons and would like to stick it to them, I won’t pay and won’t let her drive my car! (It’s ok she’s got one)
This seems a bit too easy, what’s the catch?
Cheers!



Stick it to them by walking to a new firm - one your happy with.

Your the customer....and these people clearly aren't your friend, are not on your side and can you imagine what they would be like if you made a claim?

I don't think you will be happy any other way...

MM

Re: Named driver [Re: jasgol] #1633143
06/06/2019 12:42
06/06/2019 12:42
Joined: Dec 2005
Posts: 343
Leicester
Dan Offline
Club member 1124
Dan  Offline
Club member 1124
Making a profit

Joined: Dec 2005
Posts: 343
Leicester

I got screwed over by Elephant in a similar way. I was insured by Elephant and my girlfriend by Admiral. She was a named driver on my policy. Someone damaged her car whilst she was not present and left their details. Their insurance paid for the damage. Four years later I got a letter claiming that I had failed to declare the 'incident' (despite no claim being made, and the insured not even being present, it still counts as an Incident). They sent me a bill for £650 which I ended up having to pay.

Her insurance didn't go up at all following the 'incident', but I had to cough up £650 retrospective costs to my insurer...

Re: Named driver [Re: Dan] #1633162
07/06/2019 05:38
07/06/2019 05:38
Joined: Feb 2017
Posts: 889
Leics UK
Ballypete Offline
Club Treasurer
Ballypete  Offline
Club Treasurer
Enjoying the ride

Joined: Feb 2017
Posts: 889
Leics UK
Originally Posted by Dan

I got screwed over by Elephant in a similar way. I was insured by Elephant and my girlfriend by Admiral. She was a named driver on my policy. Someone damaged her car whilst she was not present and left their details. Their insurance paid for the damage. Four years later I got a letter claiming that I had failed to declare the 'incident' (despite no claim being made, and the insured not even being present, it still counts as an Incident). They sent me a bill for £650 which I ended up having to pay.

Her insurance didn't go up at all following the 'incident', but I had to cough up £650 retrospective costs to my insurer...



Ouch! In your position I would have tried using the official dispute service via the financial ombudsman as in the circs described that’s not fair even by insurance company standards


Doris the 1998 Portofino Blue 20V
Bog standard needn't be boring...

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