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.