Question:
i had my car written off by a foreign lorry, it is going through my insurance (tescos) however they have rung me to say i never told them about a sp30 conviction i had on my license (speeding camera ) ive just bought myself a new car and am panicking they wont pay me out as i cant afford to pay for two finances for two cars.
i had been told under FSA regulations they should send me at time of renewal a form to sign and send back but i never get this just a form saying they have renewed my policy and here are my details.
has this happened to anyone before?? what was outcome??
do you know if this form should be sent everytime??
Answers:
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If the lorry hit you and it was the other drivers fault then it wont be tescos paying you it will be the insurer of the foreign driver so regardless of whether you told tescos about the points or not it should have no bearing on the foreign insurer paying out. Tescos could well cancel your insurance now because you have not given them honest information, but regardless paying out is not down to tescos like i said.Havent you asked this already?!!
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By law you are requied to notify your insurance company of any facts that may affect your insurance cover. A conviction for speeding would be classed as a pertinent fact. I have never had a form such as you describe sent to me whenever I have renewed my insurance, but it has always clearly stated that if any of my details have changed since original quotation they must be disclosed. What could possibly happen now is that the insurance may efuse to pay all of your claim - you would need to make up the shortfall. You do not say whether you were to blame for the accident - this may also have a bearing on the outcome.Are cars cheaper in kansas or missouri?
An insurance deal is a contract of the utmost good faith, which is why a company can refuse to pay up if anything material is not disclosed. However, a speeding offence is minor and may only have increased your premium by a little. I'm sure Tesco is looking at the impact on your cover which may have occured had you made full disclosure. At best they will accept liability, at worst they can rescind the agreement, in which case you'll get your premium back as tho' you were not insured at all (which you then wouldn't be)insurance company's always look into the small print in a policy for a get out clause,I think that Tesco's motor policy will pay you out but you'll need to shop around the next time you insure as you have made a claim,I had a accident a few years ago bumping into a parked car off the drive next to were I live when I took my car for estimate the charge was about five pounds more than the excess so I never had the car repaired my policy was fully comp,the following year I changed my insurer,insurer's will always say it is up to you to inform them off any points it will make them an extra tenner
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Yes they may well not pay out. and if this was not your fault they may not attempt to recover the costs from the other driver. Your only option would be to try and recover the costs from the foreign driver yourself. Best of luck!More Questions & Answers ...
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