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Named driver
#1632574
17/05/2019 11:15
17/05/2019 11:15
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Joined: Oct 2011
Posts: 702 Cornwall
jasgol
OP
Enjoying the ride
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OP
Enjoying the ride
Joined: Oct 2011
Posts: 702
Cornwall
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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.
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Re: Named driver
[Re: jasgol]
#1632579
17/05/2019 12:30
17/05/2019 12:30
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Joined: Dec 2005
Posts: 8,418 Lightwater, Surrey
DaveG
Club Treasurer Member 311
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Club Treasurer Member 311
Je suis un Coupé
Joined: Dec 2005
Posts: 8,418
Lightwater, Surrey
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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
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Re: Named driver
[Re: jasgol]
#1632581
17/05/2019 14:13
17/05/2019 14:13
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suba
Unregistered
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suba
Unregistered
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jas - how much are they trying to charge you, are they backdating several years?
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Re: Named driver
[Re: jasgol]
#1632582
17/05/2019 15:16
17/05/2019 15:16
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Joined: Oct 2011
Posts: 702 Cornwall
jasgol
OP
Enjoying the ride
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OP
Enjoying the ride
Joined: Oct 2011
Posts: 702
Cornwall
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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.
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Re: Named driver
[Re: jasgol]
#1632623
18/05/2019 11:05
18/05/2019 11:05
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Joined: Feb 2017
Posts: 1,621 Leicester UK
Ballypete
Club Member 1578
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Club Member 1578
My life on the forum
Joined: Feb 2017
Posts: 1,621
Leicester UK
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‘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 and Zoe the 1999 Alfa Romeo 916 Spider Bog standard needn't be boring...
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Re: Named driver
[Re: jasgol]
#1632865
27/05/2019 09:09
27/05/2019 09:09
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Joined: Oct 2011
Posts: 702 Cornwall
jasgol
OP
Enjoying the ride
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OP
Enjoying the ride
Joined: Oct 2011
Posts: 702
Cornwall
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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.
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Re: Named driver
[Re: jasgol]
#1633088
04/06/2019 12:17
04/06/2019 12:17
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Joined: Sep 2007
Posts: 980 Behind Enemy Lines
Master_Mariner
Club member 583
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Club member 583
Enjoying the ride
Joined: Sep 2007
Posts: 980
Behind Enemy Lines
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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
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Re: Named driver
[Re: Dan]
#1633162
07/06/2019 05:38
07/06/2019 05:38
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Joined: Feb 2017
Posts: 1,621 Leicester UK
Ballypete
Club Member 1578
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Club Member 1578
My life on the forum
Joined: Feb 2017
Posts: 1,621
Leicester UK
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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 and Zoe the 1999 Alfa Romeo 916 Spider Bog standard needn't be boring...
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