Car insurance voided because of named driver who didnt tell me he was cancelled

[Madman0121]

Is there anything I can do ? Below is the letter they sent me via email.





We have conducted a review of your AXA Insurance car policy and information has come to light that your application for insurance was submitted with incorrect details.

The information we believe to be incorrect is as follows:-

· Ownership

Your policy wording states:You must have answered truthfully all questions relating to your details; those of your car and of all named drivers on your policy that we asked when your policy started. You must also have truthfully agreed to all statements that we listed in the terms and conditions relating to your policy when it started.
If you fail to do so we may;

1. declare your policy void from inception (which means treating it as invalid), we may not make any return of premium

What do you need to do?

You need to seek alternative cover, if you wish to discuss this letter please contact our Validation Team. We are available between the hours of 9am and 5pm Monday to Friday (excluding bank holidays) on 0330 024 1299. Alternatively our email address is 05 July 2019.

Cover ending
Your insurance policy will be declared void on 12 July 2019.

If your policy is declared void you will have an obligation to inform any future insurer that you have previously had a policy cancelled or declared void. This may present you with issues when you attempt to purchase motor insurance in the future.

Voiding this policy means we will be treating this policy as if it never existed, therefore we will not pay any claim that has or will be made under your policy.

We will share all relevant details with the UK’s Fraud Prevention agencies and may share information about the inconsistencies on your policy with other financial services companies and public organisations.

If we determine a deliberate misrepresentation has occurred on your policy we reserve the right to file your details to the Insurance Fraud Register. For further information please visit the IFR website www.theifr.org.uk/en.

We will inform the Motor Insurance Database that your policy is no longer in force. Your car must have continuous insurance or be declared off road to avoid a fine or prosecution and it is your responsibility to ensure cover is arranged elsewhere.

In accordance with the Road Traffic Act 1988, if your policy is declared void you must immediately return or destroy all copies of the Certificate of Insurance relating to your policy (whether held in paper, electronic, digital or any other format).

[Madman0121]

Sorry title is not very clear, I added this named driver to my policy last week, I then removed him from my policy on Thursday so he was on their for less than 4days.

i received the above email from my insurance and the named driver has now admitted he had insurance cancelled before but didn’t think it mattered to say.

i have been neither dishonest or untruthful with them from the best of my knowledge so surely they should refund me my premiums or something?

[des8]

When did your policy incept (date please)?
When did you add named driver (date please)?
When did you delete him from policy (date please)?
When did AXA write to you (Date of letter, date of posting if on envelope & date received)?

The letter as quoted doesn't give the actual reason for voiding the policy as the named driver but "Ownership", Can you post up a redacted copy of the letter please?