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Bluest

Member Since: 23 Apr 2016
Location: Lancashire
Posts: 4251

2007 Defender 110 Puma 2.4 XS CSW Java Black

How to remove a phantom claim?

Not Defender related, but maybe someone can help. In 2016 my Wife received a letter from an insurance company (not hers) saying she had been reported for being in a fail to stop collision and to account for her actions. After a bit of back and forth with the insurance and the police, it turns out it was mistake in the recording of a number plate. My Wife’s reg was written down in error, when in fact a completely different vehicle was actually involved . So all was well, so we thought.

Today, my Wife gets a letter from her current insurer to say she has misrepresented and failed to declare this non existent accident in 2016 and that she will be charged £50 quid for an amendment to the policy. She is going to argue her case tomorrow but is concerned this is going repeat at future renewals.

Does anyone know if or how we can be sure to get this phantom claim removed from her record as she is worried it is gong to haunt her for the next few years. 2007 110 TDCi Station Wagon XS

17th Sep 2018 8:15pm

gazman

Member Since: 17 Aug 2015
Location: Liverpool
Posts: 652

I had the same thing by a guy in work. Long story short I wasn't even in work on that date.

Last time my renewal came through I rang them and told them. I honestly don't know if it effected my renewal 2014 - current ..... 2003 defender td5 90 (my car)
2009 - current .... 2005 zx10r

18th Sep 2018 1:06pm

Bluest

Member Since: 23 Apr 2016
Location: Lancashire
Posts: 4251

The thing is, she has been with two different insurers since that event, and it is only now anyone has raised it. She is a named driver on my policy too and it has never come up with my insurers either. Weird. 2007 110 TDCi Station Wagon XS

18th Sep 2018 3:00pm

Rosco

Member Since: 03 Dec 2010
Location: Burntwood
Posts: 1859

2015 Defender 110 Puma 2.2 XS CSW Montalcino Red

Perhaps it's comeback round and your now with the previous/original underwriter?

I had something similar a few years back. I got rear ended by two cars

on the M62 and as a result their insurers argued for best part of 18 months over who caused the damage that actually wrote my car off. Fast forward a couple of years, and when insuring a second car under a classic policy, the insurer came back saying the underwriter had n outstanding claim of some £11k against me. Turns out, amidst all the noise about who was to blame, the solicitor they'd appointment me, forgot to claim for the money they'd paid me for the write off of the car.

Quick discussion around how is that my fault and they quietly went away

2007 - Stornoway Grey 90 XS SW - Gone
2002 - Black Discovery II - Gone
2014 - Montalcino Red 110 XS SW

18th Sep 2018 7:07pm

VVS210

Member Since: 12 Nov 2016
Location: Hampshire
Posts: 953

Have had this & have had to go back to the insurer at the time & get a letter from them stating that there is an error on the CUE database. Are you insured by a firm with a certain 'nautical' theme to their name by any chance

19th Sep 2018 8:09am

Bluest

Member Since: 23 Apr 2016
Location: Lancashire
Posts: 4251

Wife has never been with Admiral, but we can't recall who the insurer was that originally contacted her about the non-collision. I'm hoping we have still got some of the paperwork somewhere. 2007 110 TDCi Station Wagon XS

19th Sep 2018 10:01am

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