Tim* bought a car with finance from a finance company, and the finance company helped Tim arrange insurance. When the car was stolen a year later, Tim’s claim was declined, and his whole policy avoided, because Tim hadn’t disclosed a number of previous criminal convictions. Tim said he wasn’t asked. The only documentary evidence available was the policy schedule, which showed that Tim had answered “no” to the question ‘have you had any previous criminal convictions?’. Two underwriters confirmed they would not have offered Tim cover if they had known about the convictions.
Complaint not upheld.
*Names have been changed.