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#Post#: 56501--------------------------------------------------
Incorrectly entered letter on insurance policy re NIP
DIR By: frederickthefirst
Date: February 4, 2025, 2:45 am
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Hi,
I realised yesterday that my car insurance had the wrong letter
on the end. It was for the exact same car, year of registration,
model, and colour. The only difference being that the other car
has a safety pack installed and has TSS after the model name.
I corrected this yesterday.
However, I have just received a NIP re a speeding offence in the
post for a couple of days prior to the correction.
I have spoken with my insurance company and they state that I
will be shown as uninsured due to my clerical error.
They are refusing to issue a letter of indemnity in relation to
this to cover the date of offence.
I complained this decision as I believe that something falls
under the Consumer Insurance Act of 2013 (the misinformation to
the insurance company was neither intentional or reckless and it
was just careless, the Insurance company should honour the
insurance and issue a letter of indemnity for the time of the
incident). They referred me to the administrators of my
insurance.
However, the administrators have replied "I understand that you
have insured the incorrect vehicle and are seeking a Letter of
Indemnity after a speeding incident. Unfortunately, as your
policy was taken out unassisted without our direct involvement,
we cannot be held responsible for any errors made during the
process. As such, we're unable to issue a Letter of Indemnity."
I am not asking that they are held responsible, just to review
the Consumer Insurance Act that this was a careless error by me
and a LOI should be issued.
Is there anything I can now do? Can I challenge this decision?
Many thanks, as this is really worrying me.
#Post#: 56503--------------------------------------------------
Re: Incorrectly entered letter on insurance policy re NIP
DIR By: NewJudge
Date: February 4, 2025, 2:59 am
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Is there any indication that the police might check your
insurance cover? The "speeding ticket" machine does not usually.
As far as the error goes, I think you have a case for the error
to be corrected. Insurers insure vehicles, not number plates.
#Post#: 56516--------------------------------------------------
Re: Incorrectly entered letter on insurance policy re NIP
DIR By: mickR
Date: February 4, 2025, 4:18 am
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using my crystal ball..
I think he's saying
(not clear by any means) is it was the model not the VRM he got
wrong
#Post#: 56522--------------------------------------------------
Re: Incorrectly entered letter on insurance policy re NIP
DIR By: frederickthefirst
Date: February 4, 2025, 4:41 am
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--- Quote from: NewJudge link ---
>
> Is there any indication that the police might check your
insurance cover? The "speeding ticket" machine does not usually.
>
> As far as the error goes, I think you have a case for the
error to be corrected. Insurers insure vehicles, not number
plates.
>
--- End Quote ---
Thanks for your reply. This is what I believed also, but my
insurers are stating that they will not issue a LOI by stating
"I understand that you have insured the incorrect vehicle and
are seeking a Letter of Indemnity after a speeding incident.
Unfortunately, as your policy was taken out unassisted without
our direct involvement, we cannot be held responsible for any
errors made during the process. As such, we're unable to issue a
Letter of Indemnity."
I think they may have missed the point as I am not asking hold
them responsible, just to consider the Consumer Insurance Act
with regard to my careless error when taking out the policy.
#Post#: 56523--------------------------------------------------
Re: Incorrectly entered letter on insurance policy re NIP
DIR By: frederickthefirst
Date: February 4, 2025, 4:43 am
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--- Quote from: mickR link ---
>
> using my crystal ball..
> I think he's saying
> (not clear by any means) is it was the model not the VRM he
got wrong
>
--- End Quote ---
As per my original post, it was a stupid error (by myself) in
the registration number (one letter). It is the same make,
model, colour, engine. Only difference is the other car has a
safety pack installed. So effectively is the same vehicle and
risk to the insurance.
#Post#: 56550--------------------------------------------------
Re: Incorrectly entered letter on insurance policy re NIP
DIR By: mickR
Date: February 4, 2025, 6:35 am
---------------------------------------------------------
--- Quote from: frederickthefirst link ---
>
> [quote author=mickR link=topic=4972.msg56516#msg56516
date=1738664313]
> using my crystal ball..
> I think he's saying
> (not clear by any means) is it was the model not the VRM he
got wrong
>
--- End Quote ---
As per my original post, it was a stupid error (by myself) in
the registration number (one letter). It is the same make,
model, colour, engine. Only difference is the other car has a
safety pack installed. So effectively is the same vehicle and
risk to the insurance.
[/quote]
no you didn't you said
--- Quote ---
> I realised yesterday that my car insurance had the wrong
letter on the end.
--- End Quote ---
no you didnt.
no mention of registration number in OP. anyway
I would suggest a letter of complaint.
listing minor error. same driver risk, and vehicle risk as its
same make model.
if no joy go to insurance ombudsman.
however don't expect to be 100% successful. in my dealings with
any ombudsman they are useless wan....
however as SP has already mentioned plod may well not even
notice.
#Post#: 56734--------------------------------------------------
Re: Incorrectly entered letter on insurance policy re NIP
DIR By: Logician
Date: February 5, 2025, 8:30 am
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The police do not check the insurance of vehicles caught
speeding unless there is some reason whereby insurance becomes
an issue, so do not raise the matter and it is unlikely that you
will have a problem.
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