Author Topic: Incorrectly entered letter on insurance policy re NIP  (Read 198 times)

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frederickthefirst

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Incorrectly entered letter on insurance policy re NIP
« on: February 04, 2025, 08:45:52 am »
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.

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NewJudge

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Re: Incorrectly entered letter on insurance policy re NIP
« Reply #1 on: February 04, 2025, 08:59:23 am »
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.

mickR

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Re: Incorrectly entered letter on insurance policy re NIP
« Reply #2 on: February 04, 2025, 10:18:33 am »
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
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frederickthefirst

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Re: Incorrectly entered letter on insurance policy re NIP
« Reply #3 on: February 04, 2025, 10:41:38 am »
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.

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.

frederickthefirst

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Re: Incorrectly entered letter on insurance policy re NIP
« Reply #4 on: February 04, 2025, 10:43:39 am »
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

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.

mickR

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Re: Incorrectly entered letter on insurance policy re NIP
« Reply #5 on: February 04, 2025, 12:35:58 pm »
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

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.
no you didn't you said
Quote
I realised yesterday that my car insurance had the wrong letter on the end. 

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.

Logician

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Re: Incorrectly entered letter on insurance policy re NIP
« Reply #6 on: February 05, 2025, 02:30:49 pm »
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.