Car Insurance - Feel like I'm blacklisted!!

Diamond_Ninja

So basically I have 2 of what seem to be the biggest of no-no's to any insurance company I've spoken to, I've had a claim within the last 3 years, and I've had my policy cancelled due to non-disclosure of information (not intentional I hasten to add!)

I spoke to someone in AA who told me that basically nobody will insure me for 12 months because of this policy cancellation, is that true? Or is it just that I can't opt to pay by direct debit?

I've had such trouble finding an insurance company that will insure me with the stupid claim, and now this on top of it I feel like I have no options! Anybody have any ideas? Sorry if this is in the wrong place by the way! Thanks!

Tallon

What non-disclosure of information?

Diamond_Ninja

Tallon wrote: »

What non-disclosure of information?

I was insured on my mothers policy and I crashed into someone, my uncle told me that because it was my mothers policy and not one in my own name, that the claim made by the other party had nothing to do with me, so I never thought to mention it. For some absurd reason this made sense to me at the time.

Curly Watts

What companies have you tried? Have you tried any Brokers?

Diamond_Ninja

Curly Watts wrote: »

What companies have you tried? Have you tried any Brokers?

Most private companies I could find, with the exception of Liberty and AA, wont give a quote to anyone with a claim in the last 3 years and I was in touch with my parents broker who got me a quote for 900 euros but wont take direct debit installments because of the previous policy cancellation, and I dont have 900 euros lying around unfortunately!

I'm going to contact Liberty and see what they say I think.

CiniO

Wait a second.
If it wasn't your policy, how could you have your policy cancelled.
It wasn't you who had a policy canceled, but your mother.

Diamond_Ninja

CiniO wrote: »

Wait a second.
If it wasn't your policy, how could you have your policy cancelled.
It wasn't you who had a policy canceled, but your mother.

The policy that was cancelled was a new policy that I had taken out on my own after my mothers policy had ended last year.

Diamond_Ninja

Diamond_Ninja wrote: »

............. I was in touch with my parents broker who got me a quote for 900 euros but wont take direct debit installments because of the previous policy cancellation, and I dont have 900 euros lying around unfortunately! ...............

I reckon it would be easier for you to get a loan for €900 than to get otherwise insured given your situation and what you have posted.

If I was you I'd be thinking of where can I get €900 from, credit union, overdraft ... etc etc etc etc

djimi

Diamond_Ninja wrote: »

The policy that was cancelled was a new policy that I had taken out on my own after my mothers policy had ended last year.

Why were you obliged to tell them about the claim your mother had on her policy? If the policy you took out was the first you had in your own name then you werent obliged to inform them of any claim your mother might have made on her policy while you were driving; basically the only things that go against you are your own driving record (points, convictions on your license) and the history of your own policies (unless things have changed in the few years since I got my first policy).

Diamond_Ninja

RoverJames wrote: »

I reckon it would be easier for you to get a loan for €900 than to get otherwise insured given your situation and what you have posted.

If I was you I'd be thinking of where can I get €900 from, credit union, overdraft ... etc etc etc etc

Yeah I'm thinking that might be what I have to do, on top of my student loan, the Credit Union are going to love me!!

Gophur

djimi wrote: »

Diamond_Ninja wrote: »

The policy that was cancelled was a new policy that I had taken out on my own after my mothers policy had ended last year.

Why were you obliged to tell them about the claim your mother had on her policy? If the policy you took out was the first you had in your own name then you werent obliged to inform them of any claim your mother might have made on her policy while you were driving; basically the only things that go against you are your own driving record (points, convictions on your license) and the history of your own policies (unless things have changed in the few years since I got my first policy).

This is a very misinformed and ill-judged response.

The OP has been, rightly, blacklisted. He was involved in an accident and is obliged to disclose this fact to any insurance company from which he is looking for a quote.

To think that anyone could possibly think that any crash while driving on another party's insurance would not have to be disclosed beggars belief.

OP, your uncle is a clown. Look at the mess you are in. As to why you took his 'advice' rather than clarifying it with your insurance company, God only knows.

Diamond_Ninja

djimi wrote: »

Why were you obliged to tell them about the claim your mother had on her policy? If the policy you took out was the first you had in your own name then you werent obliged to inform them of any claim your mother might have made on her policy while you were driving; basically the only things that go against you are your own driving record (points, convictions on your license) and the history of your own policies (unless things have changed in the few years since I got my first policy).

Yeah but I was driving the car so it was actually my claim, I was just covered as a named driver on my mothers policy. I don't know what came over me to think otherwise! I don't blame them for cancelling the policy, it's part of their terms and totally my fault I just dont quite know how to rectify the situation!

djimi

Diamond_Ninja wrote: »

Yeah but I was driving the car so it was actually my claim, I was just covered as a named driver on my mothers policy. I don't know what came over me to think otherwise! I don't blame them for cancelling the policy, it's part of their terms and totally my fault I just dont quite know how to rectify the situation!

Where were you told this? Its your mothers claim; its her policy thats affected. A claim affects the policy holder, not the driver (or at least thats my understanding of this).

P.C.

djimi wrote: »

Diamond_Ninja wrote: »

The policy that was cancelled was a new policy that I had taken out on my own after my mothers policy had ended last year.

Why were you obliged to tell them about the claim your mother had on her policy? If the policy you took out was the first you had in your own name then you werent obliged to inform them of any claim your mother might have made on her policy while you were driving; basically the only things that go against you are your own driving record (points, convictions on your license) and the history of your own policies (unless things have changed in the few years since I got my first policy).

The question or questions they ask go something like:
- Have you had any claims, accidents or convictions in the last 3 years?

I am going to guess that the OP answered no, then when the OP made a claim on their own policy, it came to light that they had had an accident in the last few years. This is when the insurance company canceled the policy due to non disclosure.

Diamond_Ninja

Gophur wrote: »

This is a very misinformed and ill-judged response.

The OP has been, rightly, blacklisted. He was involved in an accident and is obliged to disclose this fact to any insurance company from which he is looking for a quote.

To think that anyone could possibly think that any crash while driving on another party's insurance would not have to be disclosed beggars belief.

OP, your uncle is a clown. Look at the mess you are in. As to why you took his 'advice' rather than clarifying it with your insurance company, God only knows.

I'm actually aware of every fact you have just pointed out.. But thanks for the imput..

And I'm a 'she' by the way.

Gophur

djimi wrote: »

Diamond_Ninja wrote: »

Yeah but I was driving the car so it was actually my claim, I was just covered as a named driver on my mothers policy. I don't know what came over me to think otherwise! I don't blame them for cancelling the policy, it's part of their terms and totally my fault I just dont quite know how to rectify the situation!

Where were you told this? Its your mothers claim; its her policy thats affected. A claim affects the policy holder, not the driver (or at least thats my understanding of this).

That's the kind of advice that has the OP in the pickle he's in.

djimi

Gophur wrote: »

This is a very misinformed and ill-judged response.

The OP has been, rightly, blacklisted. He was involved in an accident and is obliged to disclose this fact to any insurance company from which he is looking for a quote.

To think that anyone could possibly think that any crash while driving on another party's insurance would not have to be disclosed beggars belief.

OP, your uncle is a clown. Look at the mess you are in. As to why you took his 'advice' rather than clarifying it with your insurance company, God only knows.

Okay so maybe Ive gotten it wrong then. When Ive been getting a quote for insurance Ive been asked have I made a claim in x number of years; I just assumed this was against my own policy (as a named driver you dont make the claim; the policy holder does).

If Im wrong then fair enough; probably just as well it was cleared up in case I ever make the same mistake!

Chuck Stone

€900 doesn't seem too bad a cost tbh considering the history - especially if you are young.

Diamond_Ninja

I think I need to clarify, I don't blame the insurance company for cancelling my policy, misunderstanding or not, I was wrong in the information I gave them initially. I just wanted to find out if AA were correct in saying that I may have to wait 12 months to apply for a new policy?

Diamond_Ninja

Chuck Stone wrote: »

€900 doesn't seem to bad a cost tbh considering the history - especially if you are young.

No you're right €900 isn't too bad considering, it's just paying it all at once that has me stuck at the moment unfortunately!

Chuck Stone

Diamond_Ninja wrote: »

No you're right €900 isn't too bad considering, it's just paying it all at once that has me stuck at the moment unfortunately!

Negotiate maybe? Ask if they'll take half up front and then the rest monthly.

Might be worth a try.

Diamond_Ninja

djimi wrote: »

Okay so maybe Ive gotten it wrong then. When Ive been getting a quote for insurance Ive been asked have I made a claim in x number of years; I just assumed this was against my own policy (as a named driver you dont make the claim; the policy holder does).

If Im wrong then fair enough; probably just as well it was cleared up in case I ever make the same mistake!

Yeah that's exaxtly what I was told, and in my mind at the time, and the fact that my Uncle has been driving for years, it made sense! But no, it's not the case, the claim is against the driver.

hattoncracker

Chuck Stone wrote: »

Diamond_Ninja wrote: »

No you're right €900 isn't too bad considering, it's just paying it all at once that has me stuck at the moment unfortunately!

Negotiate maybe? Ask if they'll take half up front and then the rest monthly.

Might be worth a try.

I tried that with my own insurance company yesterday as my mum wanted to help me out with it but they wouldn't budge. They've a set plan. 30% up front and the rest in installments or the whole amount upfront. Pain in the ass!

seamus

djimi wrote: »

Okay so maybe Ive gotten it wrong then. When Ive been getting a quote for insurance Ive been asked have I made a claim in x number of years; I just assumed this was against my own policy (as a named driver you dont make the claim; the policy holder does).

Read the fine print the next time you're getting a quote. You're usually required to disclose all accidents you've been involved in and found at fault. It doesn't actually matter whose policy you were (or weren't!) covered under.

Diamond_Ninja wrote: »

I think I need to clarify, I don't blame the insurance company for cancelling my policy, misunderstanding or not, I was wrong in the information I gave them initially. I just wanted to find out if AA were correct in saying that I may have to wait 12 months to apply for a new policy?

They are entitled to say that they won't quote you for 12 months, however, they are obliged to provided a written reason as to why you've been refused insurance.
See the detail here:
http://www.citizensinformation.ie/en/travel_and_recreation/motoring_1/motor_tax_and_insurance/motor_insurance.html

If you are refused motor insurance

Individual insurers have the right to refuse you cover, but they must provide you with a reason for the refusal should you ask for one. However, even though you have been refused cover, you are entitled to go to the Declined Cases Committee of the Irish Insurance Federation who will obtain an insurance quotation for you. In order for the Committee to consider your case you must first have sought and been refused quotations in writing from at least three insurers. (See 'Further information' below).

ThisRegard

djimi wrote: »

Okay so maybe Ive gotten it wrong then. When Ive been getting a quote for insurance Ive been asked have I made a claim in x number of years; I just assumed this was against my own policy (as a named driver you dont make the claim; the policy holder does)

You're also asked if you've had any accidents which is what the OP didn't disclose.

Our man in Havana

seamus wrote: »

Read the fine print the next time you're getting a quote. You're usually required to disclose all accidents you've been involved in and found at fault. It doesn't actually matter whose policy you were (or weren't!) covered under.
They are entitled to say that they won't quote you for 12 months, however, they are obliged to provided a written reason as to why you've been refused insurance.
See the detail here:
http://www.citizensinformation.ie/en/travel_and_recreation/motoring_1/motor_tax_and_insurance/motor_insurance.html

Trying to get a refusal letter is a devil of a job. Many are not keen on committing the refusal to ink.

marcus2000

have you tried XSDirect. They will be fine with the claim (that's their thing) but possibly the non-disclosure problem too (i dont know about that) but what other insurers dont cover is kind of their area. i know they do a finance offer.

Diamond_Ninja

Cheers for the advice lads, managed to get a quote from AXA through a broker for €1000 and through Direct Debit. Happy days

inforfun

Op,

Not having a go at you, glad you have it sorted.

But it makes me wonder what a guy in a similar position would have been quoted with:
2 claims in 3 years of which one undisclosed, leading to cancellation.

Diamond_Ninja

inforfun wrote: »

Op,

Not having a go at you, glad you have it sorted.

But it makes me wonder what a guy in a similar position would have been quoted with:
2 claims in 3 years of which one undisclosed, leading to cancellation.

Yeah it probably would have been nearly impossible for a guy I reckon, as it is it took me over a month to find a company to even consider insuring me let alone give me a Direct Debit option.