I bought a Cat C car and following an accident my insurer has voided my policy claiming I didn't inform them?

I bought a repaired Cat C car last year, took out insurance and have not had any problems. Last week I was involved in an accident. My insurance has voided my policy claiming I didn’t inform the of the car's classification, there was nothing mentioned when I did the quote online, should there have been? I have now approached the at-fault driver's insurance. Any advice would be great


Asked on 1 October 2019 by Debbie

Answered by Tim Kelly
Raise a complaint with your insurer as you have no need or duty to advise them of the previous history of the vehicle unless it had a bearing on the current claim. Advise your insurer they are Breaching ICOBS 8.3.3 by acting in conflict to your interest www.handbook.fca.org.uk/handbook/ICOBS/8/3.html, ICOBS 2.5.1 the "customers best interest" rule www.handbook.fca.org.uk/handbook/ICOBS/2/5.html

Use an accident management company if experiencing difficulties or the at-fault insurer as a last resort.
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