insurance policy

[caila25]

in 2007 i took out a insurance policy with a company and during this time at my work place a friend was involved i a car collision with another party, a few weeks later i got a letter from my insurance saying my premium has gone up because of the accident. i called them for weeks to get this sorted and tell them i had nothing to do with it and was no where near even my friend called to advise them and finally i got a phone call saying it was sorted. in the last month or so i have took out a new policy and they have demanded a extra premium because i didnt declare my claim. i called my previous insurance and they have stated it will take weeks for this to be sorted so now my new policy will be cancelled if i dont pay it and also all my insurance policys for the last 3 years have been double what i would have normally paid, is there any kind of compensation i can claim or anything i can do as this is wrong

[bednobs]

i dont really understand - why did your friend call YOUR insurance company about an accident SHE had in HER car?
if this happened 3 years ago, why are you complaining now?
if the insurance company sort it out they will give you a refund of the extra amount you have to pay this year

[caila25]

she called them to tell them i was not involved in her accident as my premiums were going up. i have only come to realise that the claim is still on my file after taking out a new policy and not declaring the claim but i didnt know the claim was still there.

[bednobs]

i still dont understand. I wasn't involved in her accident either, but she didn't phone my insurance company to tell them, so i don't understand why she called yours. Unless she was insured on your policy driving your car?

[factor-fiction]

Was she driving your car in that collision all those years ago and wasa claim submitted? If so, then of course you needed to declare the accident as it occured on your policy.

[caila25]

no she was not on my policy or driving my car, herself and her insurance compny called mine to tell them i wasnt invovled in any way shape or form it was the other party who said i was driving her car when it happened

[caila25]

and im not stupid if i had a claim or conviction i would declare it but how can you declare something you dont even know you have?

[redcrx]

are you sure that this is because of that incident and not because of your recent problem of allowing your boyfriend to drive you car uninsured?

[caila25]

no i have spoke to my old insuarance and my new insuarnce and both said its of what happened 3 years ago, why should i suffer because of someone else and my boyfriends at court on friday for that problem

[craft1948]

How did your insurance company know about your friend's accident?

[caila25]

because the other person involved to the police and his insurance company it was me as he worked in the same place as me so he new who i was

[bednobs]

i still don't understand why this wasn't picked up 3 years ago?

[caila25]

it was and 3 years ago it was supposed to be all sorted out according to my insurance company but somehow its still on my file which is not right

[dothawkes31]

even if he knew who you were, i.e. a work colleague, why did he have to tell the police it was you driving? If you weren't there and not driving and it wasn't your car, that would have been apparent when the person really driving the car that was in the accidentg got out of the car to exchange details, or did they drive off and not bother?

[jackthehat]

I'm not sure what you think the rest of us can advise if telephone calls to your past Insurers aren't working..........write to them keeping copies of the letters and insist that they only contact you in writing.

And you are looking for some com-pen-say-shun................?

[caila25]

like i said earlier i dont know the full story i had just left work and gone home the next day she told me her side and few weeks later i got the letter from my insurance so i really dont know if she stopped or left

[dothawkes31]

sounds like she left the scene, does she have a similar make model and colour of car as yourself?

[dothawkes31]

cos if she doesn't, then she may have given your name instead of hers on which case i'd give her a smack

[caila25]

no a the time i had a corsa and she had a cleo

[dothawkes31]

then like i said, it's not someone else mistaking your car is it?

[caila25]

i really dont know when i spoke to her about it at the time she said she admitted being in driving seat but the other party was meant to have drove into her as she reveresed but coz i wasnt there i dont know what happened