T6 Transporter Vanilla - CaroleNash Insured Last Year - this year they have declined

Always worth using Voice Recorder when making important phone calls to insurance brokers. Obviously just for training and monitoring purposes.
The insurance broker might even still hold the file they recorded originally. I had a run in with HMRC that went from nothing to ‘we’re taking you to court’ in an instant. I had written notes of a name, time and date eight months previous where I had spoken to them on the issue. When I mentioned this they said they’d investigate… I got a letter apologising and saying there would be no further action.
It’s worth asking if they have the recording if the OP thinks it would help.
 
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Carole Nash Complaints Dept have come back with the following...

Not sure what to do really... it looks like im going to be stuck with this for some time..




Thank you for taking the time to raise your concerns on 16 May 2024. I understand you are unhappy with the cancellation of your policy.

Having looked into your complaint, I'm afraid I am unable to uphold it, but I hope this email explains why.

On 05 May 2023 you obtained a policy online via Compare the Market to commence on 09 May 2024. This was for vehicle registration ******** which was declared as a van. When your policy renewed with your new underwriter N.I.G they requested some documents relating to the vehicle. Upon recite of these documents, it came to light the insured vehicle was a minibus and not a van as declared. Due to this N.I.G were not able to continue cover, and the policy was cancelled with a full refund issued.

As Carole Nash were not aware the vehicle was a minibus, no referral was made for your renewal meaning the cover was not valid. Had we been made aware of the type of vehicle a quote would have been offered for the correct type of cover.

As a 7 day notice of cancellation was issued with no contact from you, N.I.G have confirmed the cancellation is enforced meaning you will need to declare this to all future insurers. If you remain unhappy with this, I have provided details of N.I.G below so you can raise your concerns with them.

NIG
10 Livery Street
Birmingham
B3 3NU

Tele: 01651 2083 2629
Email: complaints@nig-uk.com


I understand this may not have been the outcome you had hoped for, and If you feel there is something I have not addressed or considered within my response, please let me know, and I will be happy to look into matters further for you.


What happens next:
If you are unhappy with our response to your complaint, you can refer your complaint to the Financial Ombudsman Service, free of charge. If you want to refer it, you must do so within six months of the date of this email.
 
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Did you tell them that it's a mistake on the V5 (along with proof of the actual model/variant/number of seats) which you'll be rectifying with the DVLA? The underwriters will just look at basic facts - IE it says minibus on the V5 there it is a minibus. We insured it as a van, therefore the insurance jobs is not correct.
 
If you feel there is something I have not addressed or considered within my response, please let me know, and I will be happy to look into matters further for you.
Ask them specifically if they have considered that the V5 is wrong and you are seeking to have that rectified.

If you didn't tell them that, and we can only see one side of this conversation, then that's on you to action.

As a 7 day notice of cancellation was issued with no contact from you
If they issued you with notice of cancellation why did you not contest it then?
 
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They didn't issue me with 7 days notice they just cancelled my insurance on the phone after I had sent them the requested documents. This was within 7 days of the renewal so I think that's how it's been worded.

At this point I was told by Carole Nash that the underwriters don't insure Minibuses....

I then had to take out alternative insurance . They didn't offer me an alternative policy.. as a VW transporter...

Note during any of these applications I gave never been asked what the body type of the vehicle is...

I then get a letter in the post a couple of days later It was at that point I made the post here to find out if anyone else has had a similar issue

ITs been a bit of a minefield and tbh I have been wanting to do the correct thing by collecting as much info as possible

I will now amend the V5 and give this info to the underwriters...

I Also now need to contact my new insurance provider , state I've had insurance declined for incorrect details at application, as I didn't know this when I took out the new policy , probably change the insurance to cover a minibus until the V5 gets correctly ammended to reflect what the van I have been driving for the last year actually is...

And even after that I'm guessing the underwriters won't remove the black mark,, guess I'll have to go to the insurance ombudsman ...

Appreciate your input it has really helped me navigate a tricky situation that I seem to have blindly walked into ...
 
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Well since my conversation with CaroleNash about this they have called me back and are trying to get to the bottom of why this has happened.

They are calling the underwriters tomorrow and getting back in touch..

So to be fair to them they have realized something is not correct..

Here is my V5 it states Body Type MiniBus.. do you think its possible to get this changed ??



View attachment 241624
Watch out dealing with the DVLA re a change on the V5!!!? My 2018 T6 T30 was incorrectly described as a T32 even though the Max Weights was entered as 3000kg - T30 weight. I told DVLA and they refused to change it. On insuring I always told the insurance company and they were not that fussed and wrote to me saying that they knew mine was a T30 not a T32. I repeatedly requested a description change by letter, phone and email from 2018 to 2024. Always the same - NO! Eventually I spoke to someone decent at DVLA and she told me I needed a letter from VW confirming it was a T30. My local VW Commercials dealer did this from the VW database and I sent off the confirmation - reply from DVLA - NO! Then in early 2024 I obtained some information that the letter from VW had to come from VW UK not a VW dealer! Been at this for over 5 years now. I contacted VW UK customer services and an excellent lady said that VW were very sorry about the misregistration and they would sort it out. But! VW UK would not deal directly with me. I had to approach a dealer ( bear in mind that DVLA do not deal with dealers on this matter) ask the dealer to request a formal letter from VW UK as to the correct description of my T30 including model manufacturing numbers, VIN number and other numbers. My local dealer was perplexed as he said to all this information is on the letter they had already sent me - true - but the letter was on VW dealership headed paper not VW UK paper. Anyway they made the request to VW UK who after 4 weeks sent the dealer a letter (identical to the one the dealer had given me - same database after all) with all the manufacturing numbers. The dealer called me to say they had the letter (he could not send it to me) which I obtained and sent to DVLA with a request to change the description. This was Jan 2024 and I purchased the van in March 2018!! At last the DVLA sent me a corrected V5 - just took 6 years!!! Mine is now an official T30 - yes!! Success.
Moral - if dealing with the DVLA perseverance is required and one must tick the right boxes in the right order and do not be surprised if the DVLA does not tell you what those boxes are. Phew !
 
Watch out dealing with the DVLA re a change on the V5!!!? My 2018 T6 T30 was incorrectly described as a T32 even though the Max Weights was entered as 3000kg - T30 weight. I told DVLA and they refused to change it. On insuring I always told the insurance company and they were not that fussed and wrote to me saying that they knew mine was a T30 not a T32. I repeatedly requested a description change by letter, phone and email from 2018 to 2024. Always the same - NO! Eventually I spoke to someone decent at DVLA and she told me I needed a letter from VW confirming it was a T30. My local VW Commercials dealer did this from the VW database and I sent off the confirmation - reply from DVLA - NO! Then in early 2024 I obtained some information that the letter from VW had to come from VW UK not a VW dealer! Been at this for over 5 years now. I contacted VW UK customer services and an excellent lady said that VW were very sorry about the misregistration and they would sort it out. But! VW UK would not deal directly with me. I had to approach a dealer ( bear in mind that DVLA do not deal with dealers on this matter) ask the dealer to request a formal letter from VW UK as to the correct description of my T30 including model manufacturing numbers, VIN number and other numbers. My local dealer was perplexed as he said to all this information is on the letter they had already sent me - true - but the letter was on VW dealership headed paper not VW UK paper. Anyway they made the request to VW UK who after 4 weeks sent the dealer a letter (identical to the one the dealer had given me - same database after all) with all the manufacturing numbers. The dealer called me to say they had the letter (he could not send it to me) which I obtained and sent to DVLA with a request to change the description. This was Jan 2024 and I purchased the van in March 2018!! At last the DVLA sent me a corrected V5 - just took 6 years!!! Mine is now an official T30 - yes!! Success.
Moral - if dealing with the DVLA perseverance is required and one must tick the right boxes in the right order and do not be surprised if the DVLA does not tell you what those boxes are. Phew !
Thank you for this information
 
What i find frustrating about this situation is that i have not once been asked to submit the Body Type from the V5 on either of the 2 insurance applications i have made with the Van.

So the only way i could find out it is incorrect is by applying for insurance , have it declined and then receive a black mark on my record for incorrectly applying for insurance...

And then be punished going forward for all future insurance applications ..

Anyway will try and get it sorted and keep posting so others dont get caught in the same trap...
 
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What i find frustrating about this situation is that i have not once been asked to submit the Body Type from the V5 on either of the 2 insurance applications i have made with the Van.

So the only way i could find out it is incorrect is by applying for insurance , have it declined and then receive a black mark on my record for incorrectly applying for insurance...

And then be punished going forward for all future insurance applications ..

Anyway will try and get it sorted and keep posting so others dont get caught in the same trap...
No. I was never asked by my insurance company either. However, I began to wonder what the police might say if they looked up my V5 and saw it was stated as a T32 but in reality it is a T30. So I was concerned that the police might be interested in my having a misregistered vehicle. So it was me that initiated the discussion with the DVLA for the change. As I said my insurance companies were not bothered that the V5 said T32 but the reality was aT30. I always informed my insurance company of the discrepancy and I had it in writing that my vehicle was a T30 not a T32 as on the V5. The whole process was a pain in the rear!!
 
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Just because you have new insurance doesn't mean they'll pay out in the event you need to claim, if, they interpret the information the same way Carole Nash have done with their new underwriter.

Speak to your new insurer, to clarify, with recorded call, you are indeed covered with the issue on your V5c
 
Just because you have new insurance doesn't mean they'll pay out in the event you need to claim, if, they interpret the information the same way Carole Nash have done with their new underwriter.

Speak to your new insurer, to clarify, with recorded call, you are indeed covered with the issue on your V5c
I totally agree, I will need to insure it as a minibus until I can get the V5 changed... Carole Nash stated we don't insure Minibuses...

If the new insurer is the same will gave to find a different one ... Will. Talk to them tonorrow

Just drafting a letter to the underwriters stating I think the V5 is incorrect.
 
I totally agree, I will need to insure it as a minibus until I can get the V5 changed... Carole Nash stated we don't insure Minibuses...

If the new insurer is the same will gave to find a different one ... Will. Talk to them tonorrow

Just drafting a letter to the underwriters stating I think the V5 is incorrect.
Just reread your original message. So the V5 says minibus yet the DVLA definition of a minibus is a vehicle with 9-16 seats. If your van has less than 9 seats it is not a minibus I presume. If true then you have a misregistrstion as I had. In my case (T32 incorrect designation v T30 real designation) my insurance companies (I had several) were not bothered so long as I told them the mistake. I appreciate "bus" designation v T32/T30 is a bigger deal. To get the DVLA to change the designation you first call VW UK customer services and tell them the issue. They will (they did in mine) give you a "case number". They will tell you to contact a VW Commercials dealer and to ask that dealer to request a correct vehicle designation from VW UK - use the case number. The dealer will want to see your current V5 and probably inspect the vehicle and compare that to the VW vehicle database. If the dealer is happy they will make the request for documentation to VWUK. After about 4 weeks the dealer should call you to say they have the letter from VWUK which you will probably have to collect in person. You may have to chase the dealer and VWUK. Once you have that letter (on VWUK note paper) send it to the DVLA along with photographs of your VIN plate, the model sticker (on your hand book or sometimes in the driver foot well) and photographs of your vehicles showing it does not have the necessary number of seats. Also send back your current V5 with the requested changes highlighted. All being well after another 6 weeks the DVLA (assuming it accepts your documents) will send you a correct new V5.

Once the application has been made I suggest you keep a copy of all this in the van so that should the police or anyone else ask you can show that you are attempting to correct the error and that you are hiding nothing - my suggestion.

Good luck - this process is not stress free.
 
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In dealing with my insurance companies I asked a dealer to print out the exact spec of my vehicle from the VW database, it will be on their paper. Out of interest this info will be identical to the info on the letter from VWUK. Keep various copies for all possible eventualitys. When requesting insurance send the broker etc a copy of the exact spec from VW.

I will stop now. Apologies for the lengthy posts. Good luck.
 
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Unfortunately while I understand it's something easy to overlook the V5 is the legal registration paperwork for your vehicle, it's up to you to check that it's correct not the insurance company or the underwriter. Don't just check the VIN matches (which I hope you've done) check everything matches.

While you have my sympathy it's not really a "trap" more a reminder that the V5 is a legally important document. This is especially true with a Transporter where the physically identical base vans can be in dramatically different insurance categories. As a Caravelle my body type is MPV so while I may call it "the van" in conversation I'd never call it that insuring it, it's a big car on it's V5 not a van.
 
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That suggests it's the V5 data that's triggered this - what's the actual VW variant type of your van?

I would only expect the Shuttle variant to be designated as body type Minibus
even a shuttle shouldnt have minibus but diesel car as it isnt a minibus in any configuration in the uk however someone might incorrectly register it.
 
OP, make a complaint (sorry didnt see page 2!). Make a SAR subject access request to both the Broker AND the insurer. Then in 8 weeks go to the ombudsman with it.

This will have potentially have a significant impact on future renewals as they are accusing you of non disclosure/misrepresenation etc.
 
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I will need to insure it as a minibus until I can get the V5 changed
NO, DO NOT DO THIS!!

You KNOW the van isn't a minibus, so if you were to insure it as such, you would then be guilty of misrepresentation - the very offence your original insurer is [errantly] accusing you of. You MUST continue to insure the van as you KNOW it to be - this is the only legally defensible option you have.

You MUST also challenge your original insurer's assertion that the van is a minibus - it is not enough for them to cite the V5, when a simple physical inspection of the van can prove, beyond doubt, that the V5 is wrong and that how you initially represented your van was accurate.
 
Thank you for all your input and points, tbh its just nice to be able to discuss the problem with people.

This just goes on and on...


My primary problem is making sure the Van i am driving is legally insured.. cant be driving with invalid insurance..

So i had to contact my new insurance company and disclose that i have had Insurance cancelled due to to the issue of the BodyType being MINIBUS on the V5..

They took some time and then came back saying because i had insurance cancelled and because the body type is MINIBUS they could not insure me. They did give me 7 days of cover from today ...

So back to square 1...

I then tried Brentacre as my friend has a Transporter and he used them . unfortunately they said as i have had Insurance canceled they cant insure me for 1 year... but they did put me through to a broker who tried to locate a company who would insure me...

I ended up with Adrian Flux, they have insured the vehicle with all the complexities .. but guess what it s now £1000 + I have no choice but to take this insurnace.

So now at least im leally covered to drive the Van.

Then spoke to DVLA who suggested i need to send in the V5 with a change request to the BodyType and Number of seats with a covering letter with pictures... lets see how that goes..

If the DVLA amend the V5 then i can go back to Carole Nash and the original underwriters and get the Black mark removed for insurance cancellation..

This black mark has to be declared for 5 years... so priority is to get this removed by proving the V5 is wrong.
 
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Your original insurer is on the hook for all your additional costs arising from their incorrect assertion that you misrepresented your van. So, if you can afford the short term pain of increased insurance costs, there shouldn't be a problem long term - it will just take time for it all to be worked out.

If your original insurer remains intransigent, I would deffo go to the Ombudsman.
 
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