Hi All
I need some advice if possible as to my next step with regard to the following.
I crashed my car in August, I was deemed to be at fault, I spent 2 weeks on life support, I have no memory of the accident. A truck was written off to the value of 50,000 and my insurance co. paid this.
My car was written off, I had fully comp. and expected to paid, but have now received a letter saying i will not be paid my sum of 16,000 due to non-disclosure of penalty points.
I received 4 points in Jan this year due to 2 speeding incidents (both 70 kph in a 50 kph zone).
I sold my car in May, which was much more powerful than the one I crashed, and expected to receive a reduction in my insurance premium ( which was then about 1000) when it was due in June. I received a renewal notice, with roughly the same premium on it, and rang my insurance broker to ask for a reduction since I now had a less powerful car.
I then received a second letter saying I now was offered insurance with a different company for about 500, and to ignore the letter asking for 1000 from the original insurance co.
I accepted this, paid up, and that was it. There was no mention of penalty points at all, I did not even think of it, and they did not ask if I had any now. If I had been asked I would have told them.
After the accident I received a letter asking to state how and why I now had penalty points, and I wrote explaining all. Now I have the letter saying I will not be paid the 16,000.
Should I pursue my broker who failed to say a word about penalty points, or the insurance co. which wont pay, and who also didnt mention points. Will an ordinary solicitor do me or do I go to the ombudsman. Or any other advice. Not sure if this post should be in the Legal Section.
Thanks for any help
I need some advice if possible as to my next step with regard to the following.
I crashed my car in August, I was deemed to be at fault, I spent 2 weeks on life support, I have no memory of the accident. A truck was written off to the value of 50,000 and my insurance co. paid this.
My car was written off, I had fully comp. and expected to paid, but have now received a letter saying i will not be paid my sum of 16,000 due to non-disclosure of penalty points.
I received 4 points in Jan this year due to 2 speeding incidents (both 70 kph in a 50 kph zone).
I sold my car in May, which was much more powerful than the one I crashed, and expected to receive a reduction in my insurance premium ( which was then about 1000) when it was due in June. I received a renewal notice, with roughly the same premium on it, and rang my insurance broker to ask for a reduction since I now had a less powerful car.
I then received a second letter saying I now was offered insurance with a different company for about 500, and to ignore the letter asking for 1000 from the original insurance co.
I accepted this, paid up, and that was it. There was no mention of penalty points at all, I did not even think of it, and they did not ask if I had any now. If I had been asked I would have told them.
After the accident I received a letter asking to state how and why I now had penalty points, and I wrote explaining all. Now I have the letter saying I will not be paid the 16,000.
Should I pursue my broker who failed to say a word about penalty points, or the insurance co. which wont pay, and who also didnt mention points. Will an ordinary solicitor do me or do I go to the ombudsman. Or any other advice. Not sure if this post should be in the Legal Section.
Thanks for any help