Question Author
ALL - Thanks for the input so far.
To clarify: we've had the policy since 2000. Policy is in my name and wife is anmed driver to keep cost down. When we took out tghe policy there were no convictions. In 06 wife got speeeding fine and 3 points.
I realise that it should have been disclosed at the time, but the wife drives the car and me a bike. She renews the policy and asks me for some cash towards cost. To get cost down, i went through policy with Co, and then we found that wife had not mentioned fine etc.
Our premiums were based on that info, and i agree we got it cheaper. Now though they are asking for money on expired policies, ie 2006, 07 and 08.
I know what should have been done, and i know what hasn't. What i need from you guys is: do they have legal rights to claim on expired policies? Where do you draw the line? I mean if they want back payment for something in 1999 can they back date it to an expired policy?
I know if i wanted to make a claim i may not have been covered but that is not the case. I just need to know the lagalities of it all. Is it legal what they want? Where can i get this info from to clarify. We are talking about EXPIRED policies guys.
Also, it was only from 2005 that the Co wanted this info on the policy, and the wife just renewed because she was happy with the price.
Thanks again. M.