Van insurance cancelled - non disclosure

To Elland Back

grogi wrote: »

I am not defending the OP here, but talking about the investigators, clerks etc. working for the insurer. They might make a mistake, a clerical one for instance, and a policy got cancelled. No way to appeal this decision...

The Ombudsman's door is always open and heavily weighted in favour of the policyholder. But you are right, an insurer does not have to give a reason or justify their decision to cancel a policy

grogi

To Elland Back wrote: »

The Ombudsman's door is always open and heavily weighted in favour of the policyholder. But you are right, an insurer does not have to give a reason or justify their decision to cancel a policy

Thanks. If anyone looks for it - https://www.financialombudsman.ie.

BorneTobyWilde

They made a huge song and dance out of it .

To Elland Back

To Elland Back wrote: »

If she is genuinely a plasterer and just drives to an 'occasional' event, without reward, I don't see a problem. If your friend is transporting other members or their equipment, yep I think there is a issue. The van is being used because of it's capabilities rather than the driver's usual means of transportation

I don't see why it wouldn't fall under the "social, domestic and pleasure" part of the policy. What the difference between playing in a band for a hobby and driving to soccer training in your van.

You claim to know insurance but the conditions you are putting forward are way over the top and not the case in reality. People use their cars and vans for various different things, lots of people have vans for commuting etc even (well more so jeeps etc). People pull trailors, cut laws for their family, move turf from the bog, give lifts to people, drive to sports, do odd jobs on the side etc etc etc etc and they only give their main employment to their insurer.

dr.fuzzenstein

Emmie Creamy Snowmobile wrote: »

I don't see why it wouldn't fall under the "social, domestic and pleasure" part of the policy. What the difference between playing in a band for a hobby and driving to soccer training in your can.

You claim to know insurance but the conditions you are putting forward are way over the top and not the case in reality. People use their cars and vans for various different things, lots of people have vans for commuting etc even (well more so jeeps etc). People pull trailors, cut laws for their family, move turf from the bog, give lifts to people, drive to sports, do odd jobs on the side etc etc etc etc and they only give their main employment to their insurer.

But the beauty of it is the insurer can now load so many terms and conditions onto a contract that it is actually physically impossible to comply by them all. Maybe that's the idea, from now on, anyone insurance companies don't like the look of, just find the tiny little footnote (chapter 37, paragraph 237, subsection 23b, footnote 4a) that they don't comply with and bang, gone. Then blacken their name to all other insurers so nobody will ever touch then again and sit back with satisfaction that someone's life got ruined.
And the real scumbags keep claiming.

Dartz

To Elland Back wrote: »

Insurers have teams allocated to weeding out the liars. Loads of methods (which I'm not giving here). Good fun actually, did it myself for a year.

People who commit insurance fraud are costing, on average, €50 per policy so nobody should have sympathy for them

So. That's about 3% of my total policy cost.

Yeah. I couldn't give a **** at that level.

Cuddlesworth

dr.fuzzenstein wrote: »

But the beauty of it is the insurer can now load so many terms and conditions onto a contract that it is actually physically impossible to comply by them all. Maybe that's the idea, from now on, anyone insurance companies don't like the look of, just find the tiny little footnote (chapter 37, paragraph 237, subsection 23b, footnote 4a) that they don't comply with and bang, gone. Then blacken their name to all other insurers so nobody will ever touch then again and sit back with satisfaction that someone's life got ruined.
And the real scumbags keep claiming.

If you feel that the contract was loaded unfairly or that the insurance company was unreasonable then you can go to the insurance ombudsman and have a human go over the case. Impacting small print unless made very clear is in most cases is not viewed as acceptable. The insurance companies will in general comply with the ruling also.

In this case, the OP could have used the ombudsman to get a quote as a musician. But he didn't, he lied, got cheaper insurance for it and then got caught. They won't help him because of that.

3DataModem

pippip wrote: »

I know its a stretch but if you were a musician paid in cash (no bank trail) how would the insurance prove you were not just playing gigs for the love of music?....pleasure.

Because it's easy to see if musicians charge money. One Google search and one phone call.

darragh o meara

As some one who was in your exact same situation 4 years ago I know what your going through.. I found Britton Ins in Donegal were able to sort me out with insurance, a little bit more than what I was paying but it got me back on the road. Incidentally, this year's policy is back with the insurer that initially cancelled my policy for non disclosure! !! However I've given up the Dj'ing so have my occupation down as my full time day job.

My advice is tell them everything, my car was burnt by some as shole and I was left with nothing as I had been driving the car into to town so I could do a gig.. Didn't have any gear in the car, but it was enough for them to do me... I thought being honest was the best policy when they asked me where I was going..

Liam McPoyle

Most insurers will only cancel if the non disclosure was deliberate and if it would have impacted either the premium or their decision to quote.

For example, if your main job is a carpenter but at the weekend you do a nixer as a plasterer there is no issue because most insurers would have the same kind or rates for manual trades men.

They will all have a wording in their terms of business, something to the effect of "if you aren't sure whether you should advise us of something, tell us anyway because if you withhold information then we may not be able to provide the cover you need".

Pro Hoc Vice

PirateShampoo wrote: »

Yeah then crossed checked with the Welfare to make sure he wasn't claiming, then ran his info through Interpol and the FBI data bases to make sure he wasn't a international terrorist.

Many companies check face book including insurance companies I would assume in checks on new policies and most definitely in claims. I have seen Facebook posts been used in court cases against claimants.

VincePP

Cuddlesworth wrote: »

you really underestimate how much info people put on the internet that can be gotten in udner 10 minutes.

10 minutes? You must be very methodical!

When I'm checking cv's that come in for jobs the short list is checked online to make a shorter list for interview

Max 5 minutes will give you plenty of information on people - even if your settings are private.

Pro Hoc Vice

pippip wrote: »

I know its a stretch but if you were a musician paid in cash (no bank trail) how would the insurance prove you were not just playing gigs for the love of music?....pleasure.

Any band now has a social media presence saying book us for your wedding. Would not be surprised if the insurance company went as far as booking the OP.

VincePP

VincePP wrote: »

10 minutes? You must be very methodical!

When I'm checking cv's that come in for jobs the short list is checked online to make a shorter list for interview

Max 5 minutes will give you plenty of information on people - even if your settings are private.

Why are you judging people on their personal and private lives. What a person does outside work hours (once it's all legal) should have no influence on picking people for a job.

Also if your Facebook is properly private you won't get any info, you will struggle to find my profile never mind get info.

Pro Hoc Vice

Emmie Creamy Snowmobile wrote: »

Why are you judging people on their personal and private lives. What a person does outside work hours (once it's all legal) should have no influence on picking people for a job.

Also if your Facebook is properly private you won't get any info, you will struggle to find my profile never mind get info.

If a person applying for a job all legally available information is fair game.

You can believe what you want about your private info on social media but I believe differently.

Special Circumstances

You all done goofed with your private settings folks, no match for the Internet police back traces! Five O five O here they come here they come...

Henry Ford III

It's the Thought Police, Rand Corporation and the Saucer People that have me spooked.

Sh1tbag OToole

Has anyone managed to revive Albert Reynolds yet or managed to get his body up on a table in a Masonic lodge yet? There's a red priestess from Co. Galway who can possibly revive him doing the rounds in Norn Iron maybe we can get her in.

I know a lad with a penchant for crushing i40's, the odd time he goes to the garden centre and helps move some stuff around for them. Usually they'll throw him a few cans or a few free shrubs, he won't take money off them because he already has billions. Is he telling a lie if he writes down 'Forklift driver' as his profession or must he choose the more humbling 'unemployed'?

If I'm at home with a fistfull of yanks in the car and I intend to land a trailer full of turf onto the hitch should I tell them to get out first? There is a high chance they'll develop sore necks from the resulting thud

donkey10

Hey, who did you end up getting insurance with in the end? After having same issue with non disclosure, majority companies wont quote and the one i got a quote from (through a broker) is charging 3,500 crazy!