My mother voided my black box insurance - what can I do?

I’m a young driver who originally had a black box fitted to the car to save some money. My mother was a named driver on this previous policy. One afternoon, my insurance provider informed me that the policy had been voided due to “red alerts” picked up by the box. Upon inspection of the GPS, it was revealed that my mother who had voided the policy after driving the car above the 30mph speed limit. Now, any future insurance policy will now cost me hundreds of pounds more because this policy was voided.

Is there any way I can have this rectified to show/declare that it wasn’t me who technically voided the policy?

Asked on 27 November 2018 by Lewis Anderson

Answered by Tim Kelly
Raise a complaint with the Financial Ombudsman Service. I do think it is a complaint of merit, I would be advising that it was unfair for the contract to be terminated when the red alerts were over one day. It could well have been taken in for a service, a mechanic test driving and not knowing a black box is fitted. The only counter-argument to this is that your mother did know there was a box in the vehicle, was insured on the vehicle and is as such part of the contract.

I would complain to the Ombudsman that you feel the insurer is breaching "Treating Customers Fairly" TCF, as you are being penalised for your mother's behaviour. I would ask them to check with the insurer the data they have via the telematics and compare driver behaviour, and they should be able to clearly identify the difference. If the FOS find in your favour, the voidance should be removed from all databases.
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