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Hello, my name is***** am a qualified lawyer and I will be assisting you with your question today.
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Hello my name is ***** ***** I will help you with this.
What is it you want to achieve please?
In reality would it have made any difference to whether they insured you?
You need to write and raise a formal complaint. They will investigate the matter and report back.
If they still refuse it then you can complain to the Financial Ombudsman.
They can see whether in reality it would have made any difference or whether they are just using this as an excuse.
You can complain to: www.financial-ombudsman.org.uk
That should resolve matters for you.
Can I clarify anything for you about this today please?
Your insurers, not the brokers.
Does that clarify?
Can I clarify anything else for you?
Sadly you can either admit or fight it. If you fight it the matter may end up in Court.
Sadly then you are personally liable. They could get Judgment against you on that basis.
I am sorry.
They could enforce it by getting a charge on house, sending in bailiffs, making you bankrupt if over £5000.
No - they cant take tools of your trade, work equipment, bedding etc. Only things of value
Does that assist?
Sadly not. go to the Ombudsman first. See what they say.
By the sounds of it your insurers are just using this as an excuse.
You have nothing to lose doing that.
If he is paid out in full by someone, then the customer can NOT come after you.
The customer cant profit from the error
It is possible. But that is why you need to raise a complaint and then go the Ombudsman