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Resident

Resident

Resident

Soldato
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So my insurance is up for renewal shortly and I've called to get my quote which is now DOUBLE this year's price.

This apparently is down to a claim against me whilst I was driving another vehicle, my partner's car, which I'm a named driver

Now a collision did occur with my partner's car and a 3rd party however not only was I not driving, I wasn't even in the car at the time. My insurer says the claim is still open however my partner's insurer has already told her that the claim for that collision is all dealy with and final.

Does anyone know my course of action? Surely this is a form of insurance fraud?
 
Just plonk your details into a comparison site and mention the claim.

That kind of reasoning pricing is basically foboff pricing they dont want you as a customer, take your business elsewhere.
 
kindai said:
Just plonk your details into a comparison site and mention the claim.

That kind of reasoning pricing is basically foboff pricing they dont want you as a customer, take your business elsewhere.
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Why do I need to declare a collision that I had no part in?
 
kindai said:
Why was the claim made against you and not your partner, as I assume the policy is in their name if you are just a named driver?
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Or equally how does your insurer even know, if you weren't either the driver involved or the policyholder?

Regardless, just look for another insurer via a comparison site. When asked about previous claims or accidents you have been involved in, then you aren't lying by not declaring anything.
If your new insurer later queries it, then you can set them straight
 
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Resident said:
Why do I need to declare a collision that I had no part in?
Click to expand...

You don't, so don't.
Have you been involved in any claims/accidents/convictions in the last 5 years regardless of fault? NO
Then carry on with quote. You were not involved because you were not the driver.
 
kindai said:
Why was the claim made against you and not your partner, as I assume the policy is in their name if you are just a named driver?
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This is exactly what he's asking for help with isn't it?

Why a closed claim against his partner has showed up as an open claim against him? And by extension, what can he do to sort it out?
 
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Armageus said:
Or equally how does your insurer even know, if you weren't either the driver involved or the policyholder?

Regardless, just look for another insurer via a comparison site. When asked about previous claims or accidents you have been involved in, then you aren't lying by not declaring anything.
If your new insurer later queries it, then you can set them straight
Click to expand...

Apparently it's on some national database that they use to share information

Kenai said:
This is exactly what he's asking for help with isn't it?

Why a closed claim against his partner has showed up as an open claim against him? And by extension, what can he do to sort it out?
Click to expand...

This is exactly what I'm asking
 
Kenai said:
This is exactly what he's asking for help with isn't it?

Why a closed claim against his partner has showed up as an open claim against him? And by extension, what can he do to sort it out?
Click to expand...

To be honest I assumed the information was wrong in the first post given theres a claim against "him".

But the general "find a new insurer" advice stands.

If it comes up again, then you may need to contact the insurance company you were the named driver on to have them update their records.
 
I agree, it only becomes a problem if you are getting quotes EVERYWHERE that are very high now, or come up with messages when you try to buy saying that they could not insure you at this time. Often systems go into a protection mode if they detect something they are not happy with. Like for example insuring 17 year olds. Often you go to click through and it breaks during checkout as they need an actual human to authorize the higher risk etc.

Get some quotes and don't trust your current insurer. They may use any excuse to justify added cost. You normally have to move around every year these days to get a decent deal anyway as said, since they prey on people just renewing coz it's "easier".

The national database is used and shared to prevent fraud yeah. It's possible you are on it incorrectly, but most likely is that the info is there that you were a named driver only against a claim, and your current insurer are using it as an excuse. If you do any normal quote, you just don't mention it because you don't have to surely.
 
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I suppose there's always the Insurance Ombudsman if you don't get anywhere. I'd be concerned that claim could back back to haunt me at a later date.
 
Update:

After about 4 hours on the phone, it's sorted or will be in 24hrs when the CUE database updates.

In the end it was my partner's Ins co that got to the bottom of it and submitted the correction as it was their fault.

They were glad that we went through them instead of the Ombudsman because it would have been a VERY costly mistake for them had it been found, to the point that it's likely that the original filer will at least end up with a final written.

Despite multiple references to the driver being female, whomever submitted the final report to be filed with CUE selected my name as the driver at the time of the collision.

Disappointingly there was no offer of compensation though
 
At least it's sorted though and saves any potential questions in the future.

Still worth shopping around, as you'll probably still get a better deal changing insurer
 
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Armageus said:
At least it's sorted though and saves any potential questions in the future.

Still worth shopping around, as you'll probably still get a better deal changing insurer
Click to expand...

Already have some cheaper quotes however I'm gonna speak with my current again, now the issue has been resolved in the hopes that it makes a big difference to them.
 
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