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Hello Harold my name is ***** ***** I will help you with this.
Did they not ask if you had many any claims on your insurance within the last, say 5 years?
Yes but I was thinking accidents.
What value is the damage to the other side?
I have not been told but I think in access of £80.000.00
What is it you want to achieve, the insurance reinstated?
This is my first experience of anything like this and I would like it reinstated but if it is not do the third parties claim from me.
OK - what you need to do is write a formal complaint.
It is going to be uphill because you have failed to declare something in the past, regardless of whether you understood it
You would have been asked have you made ANY claim, you said no
If they do not uphold the complaint then you can complain to the Ombudsman
They offer a free, independent service and can investigate your complaint for free. Their website is: www.financial-ombudsman.org.uk
But to be honest because you did fail to declare, you are going uphill
If they do not find for you, then sadly you are personally liable.
However you could also counter claim against the person driving, as they were nelgigent
I am sorry if this is not necessarily the answer you want and certainly not the one I want to give you, but I have a duty to be honest
Can I clarify anything for you about this today please?
Does this mean the third parties involved will claim against me personally.
Yes unless your insurance is covered again
Does that clarify?
Yes thank you.