Hellopeter
Share Your Experience
CL
Cherise L

1 reviews | Active since Dec 2021

15 Dec 2021, 16:18

IUM insurance

Hi there I'm a 29 year old woman I bought a car from a old lady 9 months ago, and I put it on insurance at IUM.. we were at them for 5 months now.. we paid every month our premium.. my fiance had an accident on 6 November 2021 the insurance took the car it was at them for 2 weeks and they let me know that they are writing it of. So we waited to hear what the next step were, as we wait they let me know that they are not going to pay us out because of performance upgrades that was done on the car.. but I was not aware of it.. because I never had eny trouble with the car so never sent it to a mechanic or enything so that somebody could inform me so.. so me as a woman new that it was a 2l renault megane that's it.. they treated me unfairly. they also had other excuses to not pay me out but the main one was about the performance.. and when I put the car on the insurance the broker never asked me enything about performance upgrade so I never even think to send it in so that someone could have checked for me.. so I think that this unacceptable and that they are really treating me unfairly.

0
Replies (2)
CL
Cherise L's update17 Dec 2021, 08:46
Reviewer Update
I need from then to know how upset 😡I am and what they did is unacceptable. I trusted my insurance and now they left me with a car that is broken and they don't want to pay out . So for what did I pay every month?
Alpha
Alpha's reply22 Dec 2021, 07:43
Official
Dear Cherise,  We’ve now had an opportunity to review your complaint and the internal handling of this matter by IUM.  As mentioned in our avoidance letter dated 15 December 2021 your insurance policy was cancelled from the cover inception date, for the Renault Megane vehicle, due to material misrepresentation/non-disclosure of pertinent underwriting criteria prior to inception of such cover. Had this information been disclosed to us prior to inception IUM would not have insured this vehicle – unfortunately we cannot accept the claim that you were simply unaware of such evident performance modifications prior to inception of the cover.  Failure to disclose this information to IUM prejudiced our rights to correctly and accurately underwrite this risk.  Unfortunately our decision remains unchanged.  Thank you – have a wonderful festive season.  Regards 
IUM Team