Hello my name is ***** ***** I will help you with this.
Has the insurance company refused to pay out please?
Did you buy the policy online?
The Policy was purchased on the phone the next day as mentioned. They have refused to pay out yes.
And refused to pay because you didnt include commuting?
Did you get a copy of the policy through the post or email?
Do you never had a copy of the policy?
How long after you brought the policy did you have the accident?
On what basis are the insurance company responsible for making sure that you check the policy? Surely that is up to you?
The problem you have is this. The policy was purchased in June and the accident in October.
That means you had 4 months to look at the policy.
If you did not have access one would have expected you to contact the insurance company and say you hadnt had the documents.
Once you had the documents you could have seen that communting was not included.
But as it stands you did not.
But of course you could still issue proceedings if you wish.
Whilst I am not necessarily with you the insurance company should have sent reminders you could issue and see if they settle
You need to write and set out your losses and request a refund within 14 days or say you will go to Court within 14 days. You should make sure you send this signed delivery and keep a copy.
If they do not refund you then you can issue proceedings in the County Court. You can either do this online at: www.moneyclaim.gov.uk or by completing form N1 http://hmctsformfinder.justice.gov.uk/courtfinder/forms/n001-eng.pdf and take it to your local County Court.
The Court will then issue a claim which a copy will be sent to the Defendant who will have a limited time to defend it, if not you can enter Judgment and enforce.
If the matter is defended it will be set down for a trial. If the claim is for £10,000 or less it will be a small claim and you will not need representation.
Can I clarify anything for you about this today please?
I think your case would not be the strongest.
I am sorry if that is not the answer you want and certainly not the one I want to give you, but I have a duty to be honest
Well no - you have to draw the line somewhere
But as I said, that does not stop you making a claim
I would issue the claim and see where you go from there
Great. Can I clarify anything else for you?
Great. If I could invite you to rate my answer before you go today, the button should be at the bottom of the screen
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