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As per standard practice, I am reqd to give details of any 'accidents, traffic offences, or insurance claims. At the time of renewal my answer was 'none of any', because the paint scratches were v. minor, and I was having them fixed (together with the windscreen) at my own expense. I then discussed making a claim for the windscreen, but was refused as the work had already been done ! I then discussed a claim for the minor body work (again refused as the work had been done) I think Lloyds decided that I had not declared an 'accident', and then re-catogorised my status and doubled my premiums. My question is - Is this legal, given that I had not been involved in an accident and had not made any claim, and do I have any redress ?
PS - E-mails may be crossing here. You answered my question with another question - which I have answered above.- Peter Leach
I suppose it is what is the definition of an accident. If you scrape your car is that an accident or does there have to be a reasonable impact.
I guess if you did not declare that you had an accident, that is against your policy.
Most insurance companies ask if you have had an accident whether or not you have claimed. If this was what you were asked then you should have ticked yes.
However what you need to do is write and formally complain. They will investigate the matter and report back to you.
If you are not happy with their response then you can complain to the Ombudsman. They offer a free, independent service and can examine your complaint at: www.financial-ombudsman.org.uk
Can I clarify anything for you about this today please?
No - I'll follow your advice. Many thanks - Peter Leach
Happy to help Peter.
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