Hi everyone,
Yesterday morning, I was in a car accident with two other cars and found to be at fault. Thankfully, none of us were hurt. In a series of unfortunate events, we came to learn when submitting the claim that we were not insured for drivers under 25 years old - I am currently 23 years old.
I have been in contact with Coles Insurance, who my father had insured the car with, and they have given us the options to either withdraw the claim or persist with internal reviews leading up to the financial ombudsman. We were hoping we might have some grounds for dispute with their Product
Disclosure Statement stating:
Restricted drivers:
We do not cover your car where the driver of your car was under the age of 25 at the time of the loss or damage and you have chosen to limit cover under your policy to drivers 25 years of age or older, unless:
• the driver is not at fault,
• the driver was found guilty of theft or illegal use of your car, • your car was being driven by a car park attendant, or
• your car was being driven by a person paid by you to repair,
service or test your car.
It clearly says that "your car" will not be covered, but we are hoping that we may at least receive some third party insurance for the other two cars that were damaged. I am not sure of the future repercussions of progressing with the dispute and if it will impact me negatively in the future.
I am a student and do not have any assets or any real income. I am not sure what my next course of action should be. I would greatly appreciate any help you guys can give.
Many thanks,
Yesterday morning, I was in a car accident with two other cars and found to be at fault. Thankfully, none of us were hurt. In a series of unfortunate events, we came to learn when submitting the claim that we were not insured for drivers under 25 years old - I am currently 23 years old.
I have been in contact with Coles Insurance, who my father had insured the car with, and they have given us the options to either withdraw the claim or persist with internal reviews leading up to the financial ombudsman. We were hoping we might have some grounds for dispute with their Product
Disclosure Statement stating:
Restricted drivers:
We do not cover your car where the driver of your car was under the age of 25 at the time of the loss or damage and you have chosen to limit cover under your policy to drivers 25 years of age or older, unless:
• the driver is not at fault,
• the driver was found guilty of theft or illegal use of your car, • your car was being driven by a car park attendant, or
• your car was being driven by a person paid by you to repair,
service or test your car.
It clearly says that "your car" will not be covered, but we are hoping that we may at least receive some third party insurance for the other two cars that were damaged. I am not sure of the future repercussions of progressing with the dispute and if it will impact me negatively in the future.
I am a student and do not have any assets or any real income. I am not sure what my next course of action should be. I would greatly appreciate any help you guys can give.
Many thanks,