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Incorrect car insurance - is the dealer to blame?
I bought a manufacturer approved used car last week. As part of the deal I was offered seven days insurance cover among other things. I was also contacted by insurance company to extend the seven day cover to noe year. The quote was good so I called them to extend it.
In my conversation with the insurance company I found out that the dealer had misrepresented my information to the insurance company. Most important fact was that he put down that I've held a valid UK license for 15 years whereas I've only had it for less than an year.
I promptly had this corrected but I was told that not only can the company not give me insurance for next year but my 7 day cover was invalid as well. They also told me that dealer must have deliberately entered wrong information because he knew that their company's system would not have allowed a quote otherwise.
All of this happened even though I had given my license to the dealer to examine and I think he even made a photocopy. At no point did he ask about the time I've held my license.
At this point I feel that I have been cheated and put at great financial and personal risk because I was told by insurance company that in case of any unfortunate event any claim would have been refused. So I was driving around for 3 days with an invalid insurance cover. In fact, I had not called them I would have not known about it.
I have now obtained insurance elsewhere but what are my options? What should I do?
In my conversation with the insurance company I found out that the dealer had misrepresented my information to the insurance company. Most important fact was that he put down that I've held a valid UK license for 15 years whereas I've only had it for less than an year.
I promptly had this corrected but I was told that not only can the company not give me insurance for next year but my 7 day cover was invalid as well. They also told me that dealer must have deliberately entered wrong information because he knew that their company's system would not have allowed a quote otherwise.
All of this happened even though I had given my license to the dealer to examine and I think he even made a photocopy. At no point did he ask about the time I've held my license.
At this point I feel that I have been cheated and put at great financial and personal risk because I was told by insurance company that in case of any unfortunate event any claim would have been refused. So I was driving around for 3 days with an invalid insurance cover. In fact, I had not called them I would have not known about it.
I have now obtained insurance elsewhere but what are my options? What should I do?
Asked on 10 June 2014 by asagar
Answered by
Honest John
Another reader was told he had 7 days free insurance by a Jaguar dealer without the Jaguar dealer actually sending any of his details to the insurer. Within 18 hours he had a crash and found himself in very serious trouble, which the Jaguar dealer will be liable to sort out. Basically, this salesman has committed insurance fraud and should immediately be struck off the list of IFAs. Write to the Financial Services Ombudsman.
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