car insurance pay out

[benandsadie]

A year ago i had an accident in my car that is still on hp (�10,000 left) My dad insured the car in his name as me as the named driver. They refussed to pay out on my car because i was the owner of the car and not my dad. Someone please help as this is ruining my life? can i sign over the hpi to my dad or do i sue him or what?

[juggler]

This surely is pay-back time for cheating the insurance company out of the proper premium. I know a lot of people do this but your case only highlights the danger of doing so.

[JB]

One of the basics of insurance is that the person insuring the item has a financial interest - there are exceptions, but that usually means that the owner is the one with the financial interest. Unfortunately for you, your dad has no financial interest and therefore the insurance is invalid. As far as I can see, asking your dad to take over the hp would be of no benefit, as at the time of the accident it was you who was responsible for the finance. Just as an afterthought - did you originally tell them when you bought the insurance that you owned the vehicle? That could make a difference.

[benandsadie]

To your answer i had nothing to do with the insurance, and as for the first answer i was not cheating anybody especially the money grabbing scum of the insurance. I simply wanted my dad as a driver as well. it was my dad that did this to me and now im having to suffer for his mistake. legally i was still insured. If my idiot of a fther would have answered the question that he was not the owner of the car then this would of never happened. i had nothing to do with the insurance. My dad tok care of it all and now im paying for his mistake.

[Ethel]

Your car, your responsibility to sort the insurance out.

My guess is that if you had taken insurance out in your own name, as you should have done, the premium would have been a LOT higher .

You had everything to do with the insurance - it is YOUR car. You should have insured it yourself with your father as the named driver.

Your mistake, not his. What could you sue your father for? He was not acting in any professional capacity when he insured the vehicle so there is no negligence there.

And no, you can't sign over the HPI to him. Your debt, not his.

[benandsadie]

when a father tells his son that he will sort out his insurance then there is NOTHING wrong with that. When a father either delibebertly lies or makes the mistake then that is nothing o do with me. The car was bought mailny for my father to use in the first place as he could not get credit. So YES it is his responsibility to make sure he hands over the correct information. And what fuc*ing right does an insurance company have to ruin someones life all because the policy holder was not the owner of the car. but still used it three times as much as the named driver. If my father had sinply changed his name on the v5 then again it would not of happened. I no nothing about insurance and how the owner of the car must be the policy holder. He wanted to sort all of it out, and by god did he, so dont you dare say that its nothing to do with him, when simply it was.

[JB]

Have you explained all of this to the insurance company? If not, do so (calmly) and explain that it wasn't intentional. Also ask them how they rated the premium - if it was based on you (as a younger driver) you may have actually paid the correct premium for the risk. They are still within their rights to refuse to pay, as they provided insurance based on incorrect facts, but they may look at their decision again. If they still refuse, find out what their complaints procedure is, follow it, and if still no joy, contact the Ombudsman.

[PeteTheWad]

One of the most common frauds perpetrated against motor insurance companies is for well-meaning parents to insure their children's car, with the child as named driver. Most of us who do this are not so stupid as to leave the childs name on the V5. Your insurance company believes that you have attempted to defraud them in this way. I agree entirely with JB, approach the insurance company in a calm and reasonable manner and explain the error. Throw yourself on their mercy. If they still refuse to pay up, accept that you are an IDIOT and get on with your life. You have learned a valuable lesson, NEVER assume that other people will do your job for you, it is your job and you should do it. Grow up, start taking resposibility for your own screw-ups, don't keep blaming everyone else.

[muppeteer]

* *dont ring the insurance company to try & reason with them yourself* * i work for a brokers & have had to try & sort of many a mess such as you are in- you wont win.
instead go to citizens advice with your dad & ask for help.
when companies set up a policy they read fsa scripts which tell you to check the statement of facts as it is a contract & if anything is wrong or changes you must tell them or it could invalidate the policy. it also says this on the form itself in the declaration. you will not convince them to change their minds about paying out no matter what you say.
please take my advice & go to cab.