I thought I had put all the information into the initial question.
Do we have any case to appeal against the insurance being made void as the car came out of the showroom as it is now.?
This is typical of the kind of thing that givesinsurance companies a bad name.
Whoever your son has been dealing with is an idiot.This car is not modified it is, as you quite rightly point out, as it came fromthe factory. The test is whether the modifications would affect the risk and asunroof and cosmetic changes do not make it a bigger accident risk. It might makeit more desirable to steal to be honest I think they would be struggling toconvince the ombudsman of that.
As the accident was not his fault, and the otherinsurance company is probably going to pay out, I don't know why he hasinvolved his own insurance company except to advise them for information only.
Get him to write to the insurance company or betterstill, get a solicitor to write to them saying that this car is not modified, itis exactly as it came from the factory.
Tell them that if they do not reinstate his policyand apologise, within the next seven days (give them until a particular date,then there can be no doubt over when the deadline expires), he will refer thematter without further ado to the Financial Ombudsman.
To be frank, I wouldn't even wait for their replyor wait for the seven days, I would refer it to the Financial Ombudsman now.
One thing I will tell you is that the Ombudsmandoes not act quickly and when he applies reassurance he needs to tell thecircumstances and tell them that this has been referred to the ombudsman.
Does that answer the question? Can I help further?Can I answer any specific points?
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