Centriq insurance rejected my valid claim

Thank you for forwarding Centriq’s decision of 25 April 2025, in which my policy was declared void from inception (01 November 2024) on grounds of alleged non disclosure . I joined this cover on 1 November 2024 and notified only the information I believed material and truthful at that time. Having reviewed your letter, I respectfully lodge the following representation within ninety days.

1. My understanding of “material facts” At inception, I disclosed my driving history accurately: I have not had any previous accident claims in the past five years, nor was any prior insurer cancelling my cover. If by “claims history” you refer to minor bumper scratches in 2021–2022 settled out of pocket, I did not regard these as claims to an insurer or losses requiring declaration. I ask that you confirm exactly which incident you consider material, and to review whether it truly falls under your policy definitions.

My previous insurer’s statement confirming no cancellations on record. my 2021 bumper repair and paid from my pocket . I trust this shows there was no deliberate omission.

Counterpoints for your consideration An intelligent skeptic might argue that any repair—even privately funded—should be declared. If that is Centriq’s position, I request that you clarify this expectation, so I can meet it on renewal. Second, voiding the policy from inception for what appears to be a misunderstanding of “claims” seems disproportionate, especially when your Non disclosure clause (Point Q) contemplates inaccurate information “found to be…incomplete, inaccurate or untruthful.” I submit that I was neither inaccurate nor untruthful.

Alternative resolutions If Centriq deems a private repair “material,” I propose an alternative: reinstate the policy from 1 November 2024, assessing the 17 February 2025 accident under the standard excess and premium adjustment for a minor prior incident. This would be fair to both parties and in line with industry practice.

Request for next steps Please: Confirm which prior incidents you believe required disclosure. Reassess the voiding decision in light of my evidence. Outline any additional information or steps you require from me. I value my relationship with Centriq and hope we can resolve this promptly