[Frederickthefirst]

Hi,

I realised yesterday that my car insurance had the wrong letter on the end. It was for the exact same car, model, and colour. The only difference being that the other car has a safety pack installed and has TSS after the model name.

I corrected this yesterday.

However I have just received a NIP re a speeding offence in the post for a couple of days prior to the correction.

I have spoken with RAC Insurance and they state that I will be shown as uninsured due to my clerical error.

They are refusing to issue a letter of indemnity in relation to this to cover the date of offence.

I complained this decision and was referred to the BGL Group, as I believe that something falls under the Consumer Insurance Act of 2013 (the misinformation to the insurance company was neither intentional or reckless and it was just careless, the Insurance company should honour the insurance and issue a letter of indemnity for the time of the incident).

However BGL have replied "I understand that you have insured the incorrect vehicle and are seeking a Letter of Indemnity after a speeding incident. Unfortunately, as your policy was taken out unassisted without our direct involvement, we cannot be held responsible for any errors made during the process. As such, we're unable to issue a Letter of Indemnity."

Is there anything I can now do? Can I challenge this decision?

Many thanks, as this is really worrying me.

[Nick]

Hi @Frederickthefirst , welcome to the RAC Community and thanks for making your first post, although I'm sorry to hear of your dilemma here.

When you say your insurance had the wrong lett on the end, what do you mean exactly? Is it the registration that was wrong? Is your insurance with RAC direct, or through somewhere else such as a bank account?

I would recommend calling one of our contact centres, details listed under Insurance on the RAC's Contact Us page

[Beelzebub]

OP - provided you respond to the NIP in time, there is no reason for the police to check your insurance status.

[Frederickthefirst]

Originally Posted by Nick

Hi @Frederickthefirst , welcome to the RAC Community and thanks for making your first post, although I'm sorry to hear of your dilemma here.

When you say your insurance had the wrong lett on the end, what do you mean exactly? Is it the registration that was wrong? Is your insurance with RAC direct, or through somewhere else such as a bank account?

I would recommend calling one of our contact centres, details listed under Insurance on the RAC's Contact Us page

Originally Posted by Nick

Hi @Frederickthefirst , welcome to the RAC Community and thanks for making your first post, although I'm sorry to hear of your dilemma here.

When you say your insurance had the wrong lett on the end, what do you mean exactly? Is it the registration that was wrong? Is your insurance with RAC direct, or through somewhere else such as a bank account?

I would recommend calling one of our contact centres, details listed under Insurance on the RAC's Contact Us page

Hi Nick, it was taken out with RAC directly.

The error was one letter at the end of the registration was inputted incorrectly - this showed as the same make, model, engine and colour of vehicle as my own. The only difference was a TSS in the title which I did not notice at the time. So effectively the risk that is insured by RAC is almost identical.

I have tried contacting RAC on 4 different occasions, and each one my request for a LOI under the Consumer Insurance Act of 2013 (the misinformation to the insurance company was neither intentional or reckless and it was just careless), has been refused.

I was referred to the BGL Group as they arrange and administer the policy, but they also refused stating that they cannot be held responsible. I think they may have missed the point, as I was not pointing the finger of blame but asking for a LOI due to my own careless error.

It was my belief that the RAC would have to show that the error was "intentional or reckless" to refuse under the CIA but this they have not done.

Is there anywhere within the RAC who would understand their responsibilities under the act, as I am not sure that any of the customer assistants I have spoken with do?

[Nick]

Hi @Frederickthefirst , as I mentioned previously, I would recommend reaching out to one of our call centres to discuss via one of the managers there perhaps.

One thing I don't understand though is why this is important - have the police asked for proof of insurance? this isn't something they would usually do with an NIP for speeding - I've had one myself quite recently. If not then it becomes a moot point as you're not being asked to provide this proof and you're not making a claim. The RAC haven't rejected a claim here either, based on what you've said so far, so the Consumer Insurance Act doesn't really come in to play in this instance - as far as I know, and please bear in mind that I've been out of the industry for quite some time now.

If you feel there's still a cause to pursue then I would recommend speaking to one of our call centres.

[olduser]

I would do as Beelzebub suggests, and then refer it to the Ombudsman;

https://www.financial-ombudsman.org....otor-insurance

I don't think the Ombudsman will or can do anything, so far you haven't suffered an actual loss but if you let the insurers know what you are doing perhaps it will make them sweat a bit.

If they are encouraging you to apply on line, then I am sure a court of law would say it is their responasbuility to check the information you return is correct, particularly if the result may have legal consequences.

Faced with this sort of idiotic behaviour, I have in the past, asked the people I was dealing with for the address of the ombudsman, and suddenly common-sense prevailed.