Hi All! This is a long post apologies at the start! So I hold the policy and took it out 5 years plus ago and 6 months into the policy I added my husband as a named driver. At the time I enquired to whether this would entitle him to drive other vechiles under 3rd party cover. Which they confirmed.
Roll on 4 years and my husband had an accident 10th Nov 19. I called the insurance company 30 mins after the accident and they stated that he was insured. I even asked the question so he is definately insured 3rd party they confirmed that this was correct. On 19th Nov i recieved a text message asking me to contact them as they had recieved details of my car being in an accident. I called again and informed them that this had been reported on 10th and the gentleman apologised that the out of hours team hadnt updated the system and he took the details again and I was again informed that my husband was covered 3rd party. We then recieved* an email on 21st Nov with the claim ref details advising the claim had been recieved that the company was accepting full liability and that the case would be open for a year for any 3rd party claims. My husband then recieved a letter from the police requesting proof of insurance. I again contacted the insurers who said it wasnt a problem and the claims team put me through to the customer services team. Heres where the issue started! They said my husband wasnt insured to drive another vechile 3rd party. I put a complaint in and said i have a claim ref ect, but what I want to know is once they have emailed me with the details claim ref and accepting liability can they then revoke the claim?*
What is the chances of me fighting this and winning as I was only acting on their advice that we was both insured to drive other vechiles. They also stated that I was told on the 19th that he wasnt insured (this is incorrect I have requested the call be sent to me) they also called my husband and discussed my policy with him without any data protection questions is this allowed?
TIA
Roll on 4 years and my husband had an accident 10th Nov 19. I called the insurance company 30 mins after the accident and they stated that he was insured. I even asked the question so he is definately insured 3rd party they confirmed that this was correct. On 19th Nov i recieved a text message asking me to contact them as they had recieved details of my car being in an accident. I called again and informed them that this had been reported on 10th and the gentleman apologised that the out of hours team hadnt updated the system and he took the details again and I was again informed that my husband was covered 3rd party. We then recieved* an email on 21st Nov with the claim ref details advising the claim had been recieved that the company was accepting full liability and that the case would be open for a year for any 3rd party claims. My husband then recieved a letter from the police requesting proof of insurance. I again contacted the insurers who said it wasnt a problem and the claims team put me through to the customer services team. Heres where the issue started! They said my husband wasnt insured to drive another vechile 3rd party. I put a complaint in and said i have a claim ref ect, but what I want to know is once they have emailed me with the details claim ref and accepting liability can they then revoke the claim?*
What is the chances of me fighting this and winning as I was only acting on their advice that we was both insured to drive other vechiles. They also stated that I was told on the 19th that he wasnt insured (this is incorrect I have requested the call be sent to me) they also called my husband and discussed my policy with him without any data protection questions is this allowed?
TIA
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