Insurance for new drivers, stupidly cheap.

Hatter The Mad said:
You told them you have braided hoses?
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No I haven't told eCar that I have braided hoses, my policy documentation confirms that I haven't.

It is an error between comparethemarket.com and eCar, not me.

EDIT: even if the braided hoses were listed on the policy, I would have bought some for £50.
 
Shimmy said:
Took the Policy out on Monday, started on Tuesday and got the documents in the post today.

Everything looks perfectly normal, all details are correct for me and the car. Looks like I won't even have to buy any braided hoses as they aren't listed under my modifications - looking at the policy, yet the abnormally low premium still is the same.

May well go **** up some in the future, but I'm going to ride my luck for now.
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Hatter The Mad said:
You told them you have braided hoses?
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Hatter The Mad said:
Well, if I were you I'd contact eCar and ask what modifications they have listed for you - just to be sure. It is a stupid risk to take for the sake of saving a few quid.
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Already have, it confirms my policy documentation. The policy mirrors 100% correctly with my details, the cars details and my driving history.
 
Shimmy said:
Like I said, I told comparethemarket.com, not eCar.
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If the details on the policy issued don't reflect the actual details of the vehicle and person being insured, the policy holder is still liable iirc.

It's up to the policy holder to ensure that there have been no mistakes (can happen even when dealing directly with the insurer), and telling a third party (broker or the like) something and having them pass it on doesn't absolve you of any responsibility if/when it's found to be wrong.

At the very least you could possibly end up with voided insurance, it's also possible if the details of the car do not match up with the details on the policy when issued, or when first payment is taken that you have committed fraud - something that any insurance company and most employers will take seriously if found guilty (not to mention various countries immigration - the US for example).

Basically using this loophole if your car doesn't have braided hoses is very, very silly, regardless of if you apply for it via the third party site or not.


*and if memory serves, 6 points = retest time for new drivers.
 
Seems like something great for new drivers purely because premiums are around £2k upwards so its worth the risk of trying because you are going to get a letter 7days before anyway
 
Werewolf said:
If the details on the policy issued don't reflect the actual details of the vehicle and person being insured, the policy holder is still liable iirc.

It's up to the policy holder to ensure that there have been no mistakes (can happen even when dealing directly with the insurer), and telling a third party (broker or the like) something and having them pass it on doesn't absolve you of any responsibility if/when it's found to be wrong.

At the very least you could possibly end up with voided insurance, it's also possible if the details of the car do not match up with the details on the policy when issued, or when first payment is taken that you have committed fraud - something that any insurance company and most employers will take seriously if found guilty (not to mention various countries immigration - the US for example).

Basically using this loophole if your car doesn't have braided hoses is very, very silly, regardless of if you apply for it via the third party site or not.


*and if memory serves, 6 points = retest time for new drivers.
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I've had my license longer than 2 years, and I would have thought they would notify you if they want to cancel the policy.

I've already said this, but I'll repeat myself. I put all my details in as normal including modifications into the comparison website, followed eCar's quote to their website, then checked the policy over which doesn't include braided hoses but did list all my other mods. I paid there and then, have the policy now in my hands. There are NO inconsistencies between my car details and the policy, I've also as stated rang up to make sure.
 
It sounds like the braided hoses isn't added to the policy as is the same as a box tick box saying "Tick if you would like stupidly cheap insurance".

If this is still working when my insurance comes round I'll be using it.
 
They can revoke the policy for any reason if they give you 7 days notice, as their terms and conditions (that you agreed to) say :)

Oh and it's their, not there.
 
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Don't forget that you will now have to answer the question 'Have you ever been refused motor insurance or had a policy revoked' with 'Yes' which will at best increase your future premium and at worst mean some insurers will decline to cover you now.
 
[TW]Fox;13341321 said:
Don't forget that you will now have to answer the question 'Have you ever been refused motor insurance or had a policy revoked' with 'Yes' which will at best increase your future premium and at worst mean some insurers will decline to cover you now.
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Oh yes, didn't think of that :)
 
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