Can you provide a link to the documentation which states NU's definition of fraud please? No, because as far as I know this is not published on any external website, sorry. I think this has gone on long enough now. Take a moment to read the thread from start to finish with a view that my comments are speaking about insurance claims in ...

It is very different to work in the insurnace industry and deal with these claims on a day by day basis and to sit there and copy and paste text or provide links to websites. I take it that from being "qualified" that you are a policyholder that took on an insurance company after having a claim turned down and for your own benefit I ...

Coyote, for a start I am in no way or never had implied that this case is one of fraud (I’m sure you will tell if I am wrong). Fraud is "intent to deceive and desire to induce the firm to pay more than it otherwise would". Misrepresentation and non-disclosure falls into the utmost good faith category. They may be obtaining a ...

Coyote, I'm intrigued. What exactly is your professional background? The four options I listed are the options available to an insurer on the grounds of misrepresentation. Yes innocent misrepresentation is not a case of insurance fraud but deliberate misrepresentation or nondisclosure is. In a case of proven insurance fraud I wouldn't ...

Fair point WalkingATM, you not these forums are like, it starts as helpful advise and before you know it there is a side debate going on (no offence intended, I enjoy a good debate as much as the next person). Hope you get somewhere soon. To be honest these things can normaly be sorted out pretty quickly by speaking to the right people. If a ...

Coyote: s_whitie: "it wouldn't be fair to assume that every person paying a higher price for a vehicle should be aware that their vehicle could be modified. Such a suggestion is a little absurd. " re your comments, why would the vehicle be at a higher price. Surely you would question this when you buy the vehicle otherwise you ...

"it wouldn't be fair to assume that every person paying a higher price for a vehicle should be aware that their vehicle could be modified. Such a suggestion is a little absurd. " re your comments, why would the vehicle be at a higher price. Surely you would question this when you buy the vehicle otherwise you would go for the ...

Misrepresentation is exactly that, the difference being whether it was innocent or not. Even if the policyholder was not aware that the vehicle was modified it does not change the fact it was. From personal experience 9 times out 10 they are aware that the vehicle was modified (in a private sale most previous owners boast about this) and plus ...

Sorry I missed that part of your question. The cover you refer to is "driving other cars" extension. This cover is in place for the named driver on a comprehensive policy to drive another vehicle (with the owners permisson) on a third party only basis BUT this cover is only meant to be for emergency purposes not day to day use. So in ...

You definately should be getting a better service than you have experience so far. so, your vehicle has been inspected and declared a total loss (written off). Firstly get all you documents together as they will need these. V5, mot (if applicable), service history, purchase receipt, copy driving licence etc Now the more difficult part, your ...