IggyRB320

iTrader: (9)

A friend of mine has insurance with premiums fully paid up-to-date.
3 months ago she purchased a private number plate & followed the DVLA procedure & put it on her vehicle.
Everything on the vehicle & policy of insurance remained the same but she forgot to notify her insurance of the plate change.

She had a minor bump, her fault & her insurance company called her today & informed her she's NOT INSURED because she hasn't updated her policy with the new registration number!!

Does she have any recall?

Tidgy

nope, shes stuffed, she's not got a leg to stand on insurance company will have reported her to the police as well.

Expect a visit from the police for driving whilst uninsured as well so be a fine and points for that too

IggyRB320

iTrader: (9)

I get that she should notify them, but to say 'she's stuffed'?!

There has been no material change to the vehicle or it's performance & no increase in risk to the insurance company!

Anyone else?

Midlife......

iTrader: (2)

The policy will have T&C's that state if anything changes then they have to be informed or the cover will be void. That will include changing the identity of the vehicle by way of a change of VRM.

Unless the insurance company are very sympathetic then they will invalidate the cover.........

Shaun

skyinsurance

iTrader: (3)

It doesn't sound right to me to be honest.

bustaMOVEs

iTrader: (31)

It the insurers job to find a way not to pay out, and this ones easy!
Her own fault tbh, but if insurer pays out then they are nice and sympathetic people

IggyRB320

iTrader: (9)

From my research, the registration number only identifies the vehicle, it's the vehicle/driver that are insured, and this is where the risk is calculated.

Cheers for the advice & those that PM'd
Much appreciated
Iggy

bustaMOVEs

iTrader: (31)

But it's no diffrent to a cloned vehicle with false plates that are not registered or insured.

Tidgy

insurance company have already said she's not covered cos of the cahnge, thats why she's stuffed

IggyRB320

iTrader: (9)

'Cloned' 'un-registered'..?
Not quite the same!

I'll let you know how she gets on.
But thanks anyhow.

Osimabu

iTrader: (2)

If it's any help, you can also try asking here:

http://www.honestjohn.co.uk/

I do hope it works out well for you.

tab 1985

Not sounding good buddy its will be classed as driving round with fake plates

lordharding

iTrader: (1)

No chance that te insurance will pay out on this one
And probably prosecution as well
You have to inform your insurance company of changes and especially number plates

Tony@Greenlight

Hi IggyRB320,

Depending upon the Insurer in question there's still a glimmer of hope here.

Your friend will need to prove that a) it's the same car and b) she's the owner of the vehicle.

She'll need to do this to both the Police and the Insurance company, but if they're reasonable people there is a chance that they'll both see this to be an admin oversight rather than a malicious act.

If your friend has all the documents that she completed showing the original
vehicle's registration, along with her purchase of the new number plate and transfer to the vehicle (along with copies of the V5 registration document - showing the chassis number to be the same under both registration numbers) this will all support her case.

The Insurer (or broker) should be your first port of call, get hold of those guys and explain the entire situation. Possibly worth a well worded letter (with the above supporting documentation) to their customer service/complaints manager.

We have encountered a similar situation to this in the past and we've has success in doing this. The main thing to do is to put your hands up to an admin error, prove that the car is the same car (using chassis number/transfer documents).

Most Insurers we deal with would be realistic about this, but if you have no joy after trying this with her Insurer, you should then seek advice and an opinion from the Financial Ombudsman Service.

Hopefully this helps


Kind regards

Tony

simb 2

iTrader: (3)

I would expect the insurance company to show some compassion in these circumstances, makd a call to the insurance company direct.

Good luck!

IggyRB320

iTrader: (9)

Cheers Tony

BLU

iTrader: (27)

Proof that it is still the same will be in the form of the MOT (that was on the car when the transfer took place) and the green part of the V5 the DVLA give you back (whist dealing with providing the replacement V5). Both of these will have the original reg number on with a DVLA stamp which says vehicle re-registered as *******

Good luck, hope it gets sorted.

Tony@Greenlight

Good point Blu.

IggyRB320, anything that you have to prove this to be the same vehicle would help. But, as Simb_2 says, it will come down to a combination of compassion and common sense being shown by her Insurer/the authorities.

I'd definitely suggest building the evidence/detail to support her case and to give it a go on the basis of an admin oversight.

Hope it all works out for her.

Kind regards

Tony

555)

iTrader: (1)

the insurer covers the vehicle not the registration number imho

i would argue that cover commences based on the chassis number as that cannot be changed yet the vrm can be changed

if you give an insurer any avenue not to pay a claim they will do exactly that