I fucked up, I feel awful :(

[HK]

I feel sick with nerves at the moment.

We started a new car insurance policy 6 months ago. My boyfriend looked it all up on confused.com and saved some quotes that looked good. The money comes out of my account, so I logged onto the site a couple of days later and picked the cheapest one to set up, assuming that was what we wanted.

Now my partner has points on his license, some that are very recent and some that aren't. The ones that aren't are from 3 years ago.

Someone hit our car (entirely their fault) last week and so we rang the insurance company. My boyfriend mentioned his older points when they ran through the details, and then today we got a letter saying we hadn't declared the points, please explain why.

Basically, entirely my fault when he saved a bunch of quotes he also put some in to see what the rates would be like once his points come off next year. I didn't think to check with him and just applied for the cheapest one. I rang their customer services and a girl is ringing me back tomorrow about it - I said I could pay the difference between what we should have been paying and what we have immediately, and she was quite nice, though that could have been because I was almost in tears.

I'm afraid though - I read some stuff online from other people saying they have the right to declare the insurance void. Which means they've refused you insurance, which makes getting any from another company even harder.

Added to that, if they then report it to the police that he didn't have valid insurance whilst driving, even though we had no idea, he could get enough points to lose his license.

I feel terrible I'm praying like mad that they just ask us to pay the backdated money. I don't mind doing that, I just can't stand the thought of this affecting his job or us ever being able to get insurance again. I know it's a long-shot but if anyone's ever dealt with something similar, any advice would be great

 

[Darrell]

I don't understand why YOU feel awful. I think that your boyfriend should have declared the points, and I'm certain that he knew that was required of him. Insurance companies typically don't hide that from their policy holders. You don't need to be sick over this. Shit happens, and life goes on. What is the worst than can happen? You have to get a new policy, and keep a dent in your vehicle? It could be worst.

Keep your head up HK. It will be okay.

 

[Siphorous]

I've had some hassle with no claims stuff (esure being pricks basically) but nothing as bad as that. I can only hope for an outcome that works for you/your chap and the insurance company

 

[purpledove]

Aw! am so sorry to hear about this. I'll help you pray, if you don't mind.

Altho i haven't experienced something similar b4, I've always known that as soon as insurance company picks you guys up to be covered after obtaining basic info thru your applications, that you're automatically covered (as in cases of buying a new car etc from dealership) It might be different out there in UK...so I am just hoping that they would just let u guys pay the difference *crosses fingers*

 

[HK]

Oh no, he'd gotten quotes with the correct details on them, I just didn't realise he'd also looked at quotes for when his points come off and instead of asking him which quote was correct, I just assumed it'd be the cheaper one and applied for it

Thank you guys. It's just that everything seems to be going to hell right now. We got a letter the other day saying my boyfriend didn't pay enough tax, for a period about three years ago before I met him so that needs sorting out. He just got offered a job but if the worst case happens here and they invalidate the insurance and he gets points for driving without - which can happen even if at the time we thought we covered - then he won't be able to take the job as his license will be revoked and he won't be able to drive.

Also, my mouth hurts on one side and I don't know if it's toothache or jaw ache from clenching my teeth (which I do in my sleep when I'm stressed out ie. every single night) or just one of those things. The water bill was way more than expected. If he can't work, we're going to get even further into debt because even me working two jobs isn't cutting it.

I feel so hopeless, this is just another shit thing to add to the pile of shit things going on

 

[Darrell]

Keep your head up.

 

[BeautifulHeart]

Right hun you need to carm down talk a breath things happen for a reason and im sorry he wasn't insured on it mistakes happen maybe if you contact the other driver if there is no harm done to the person and if the damage is fixable then im sure you will be ok. I worste comes to worse you will no what to do next time to be more carefull. Unisured drivers suck and im sorry that your going through this but you need to step back and think that your parner is alive and well and its only a car it can be sorted atleast no harm is done please carm down you can sort this isnt a life lost

 

[purpledove]

:smiley31: :smiley31:

Been in similar situations like that in the past few months. Like you, everything seems to come my way endlessly and keeps on piling up that i was feeling helpless, overwhelmed. The one thing that helped me is to list the things i was worried/things to do and focused on the most important ones ( prioritization ). Dealt with them one day at a time while taking lots of deep breaths. Keep in mind, you can only do so much at a time and you can't make yourself be overwhelmed by the unknown. It will only rattle you and you wont be able to think properly to come up with solutions. You're a smart girl, you can do this HK. Keep the hope! Be strong!

As the saying goes: Worrying is like a rocking chair it gives us something to do but it gets us nowhere.

 

[NoDak]

Keep your head up HK. It will be okay.

Keep your head up.

Easier said than done.

Right hun you need to carm down talk a breath things happen for a reason and im sorry he wasn't insured on it mistakes happen maybe if you contact the other driver if there is no harm done to the person and if the damage is fixable then im sure you will be ok. I worste comes to worse you will no what to do next time to be more carefull. Unisured drivers suck and im sorry that your going through this but you need to step back and think that your parner is alive and well and its only a car it can be sorted atleast no harm is done please carm down you can sort this isnt a life lost

Nicely put!

 

[Darrell]

Easier said than done.

I didn't say anything about it being easy. It doesn't mean that she should not at least try. Life is too short to be upset like that. Shit happens, accidents happen, and live continues to move forward.

 

[Joe the meek]

Sorry to hear about the mess up. Some observations...

1. Car insurance on "confused.com"?
2. Your SO took action and so did you, but not "together" (some lack of communication, not entirely your fault)
3. Money came from you're account as a "couple", but you're not married
4. Your boyfriend brought up his points, YOU did not

In NO WAY do I see this as your fault.

As far as insurance companies go, at least to myself, they're like organized crime but legal.

 

[HK]

1. Car insurance on "confused.com"?

It's an insurance comparison site, you can look at quotes from different companies and apply online.

2. Your SO took action and so did you, but not "together" (some lack of communication, not entirely your fault)

This is pretty much it, he knows all the details about the car so he actually got the quotes, but the money comes out of my account so I was the one who went on later and set it up. I just feel stupid because I should have checked with him which quote was correct, not just assumed

3. Money came from you're account as a "couple", but you're not married

We live together and have a joint account, at the time though I just put it through on my account. I keep intending to move it over to the joint one but it makes little difference at the moment so I never got round to it.

4. Your boyfriend brought up his points, YOU did not

This is true. I knew he had points, I just didn't realise we'd inadvertently not declared them, so even when I heard him talking about it to the insurance company I didn't realise there would be a problem. It was a big surprise when we got the letter.

I feel so nervous. I checked back and it looks like we moved to them in March, so it's only been 6 months and we haven't tried to hide it on purpose. I'm just worried they'll think we're lying. But I'm prepared to pay the difference in our premium literally when they call today, which I hope will show them I've got no bad intentions

 

[Natasha]

You shouldn't feel bad. Your boyfriend should've passed on to you that some of those quotes were for when his points went away. It was a miscommunication and it happens. I hope it all works out for you.

 

[Thornless]

You shouldn't feel bad. Your boyfriend should've passed on to you that some of those quotes were for when his points went away. It was a miscommunication and it happens. I hope it all works out for you.

:homo:

If the inssurance wants the money, they will forgive the mishap; especially since you offered and acknowledged ya messed up. If they do, ask for a written statement from them stating at the time of the accident you were insured by them.

And.... just curious, if he has a job... why isn't he paying too?

 

[HK]

And.... just curious, if he has a job... why isn't he paying too?

He only just got offered the job, he hasn't even started yet. I've been paying all the bills the last couple of months.

We've had terrible luck. He was unemployed before we met due to the company he was working for folding, so when he got offered something new we decided to rent together. Then I got made redundant. The maybe a month after I started my new job, he was laid off too. Now he's been offered something again, which is great, but it seems like whenever we get some good news, something rubbish happens to negate it

I've been googling like mad and at least I found out our company will still accept people with up to 9 points - my other worry was that they'd turn around and say they never would have insured him if they'd known about the points.


I hope... really, really hope, that I've worked myself up over this as I invariably do and that it'll be a huge anticlimax when they just say 'okay we'll backdate the payments and raise your premium, you owe us xxx amount'. I'm braced for terrible news, but I've still got 6 hours till I'm even likely to hear - it's nerve wracking.

 

[hart]

HK, if the accident was the other person's fault don't they have to pay? Or is it different in England? Anyway, look at the important point. Nobody got hurt. If one of you was in the hospital you wouldn't be focussing on the car right now would you? Chin up hon and hugs!

 

[HK]

Thanks Hart, you're right, things could be much worse.

The problem isn't really the claim because as you say, the other guys company will pay out for that. My worst case scenario here is that they don't believe we made a genuine mistake and void the insurance, which will make getting insurance from anyone else both more difficult and more expensive.

At the end of the day... I know it's just money. I'm trying to be thankful that even if the worst does happen, we'll still be together and healthy. Thank you guys for being calm for me haha I still feel awful but at least there is hope that it could be resolved and sorted without lots of fuss.

 

[BadBoy]

HK, if the accident was the other person's fault don't they have to pay? Or is it different in England? Anyway, look at the important point. Nobody got hurt. If one of you was in the hospital you wouldn't be focussing on the car right now would you? Chin up hon and hugs!

This isn't even true in every state in the US.

Like someone mentioned earlier, insurance is the biggest legal crime organization in the world. They will do anything to get of paying claims. Hate them!

Good luck. Hopefully they will take pity and just charge you the difference in rates.

 

[HK]

Luckily, the accident was entirely the other guys fault so our insurance company won't have to pay out.

About an hour now till I can expect a call. I feel shaky and my ears are ringing I wrote down the possible outcomes and that made me feel a little better as none of them involve death. But I still feel like I might throw up.

 

[Panacea]

I want to believe sincerity is worth something, and I'm hoping it helps you this time.