This is typical of the kind of thing that gives
insurance 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 from
the factory. The test is whether the modifications would affect the risk and a
sunroof and cosmetic changes do not make it a bigger accident risk. It might make
it more desirable to steal to be honest I think they would be struggling to
convince the ombudsman of that.
As the accident was not his fault, and the other
insurance company is probably going to pay out, I don't know why he has
involved his own insurance company except to advise them for information only.
Get him to write to the insurance company or better
still, get a solicitor to write to them saying that this car is not modified, it
is exactly as it came from the factory.
Tell them that if they do not reinstate his policy
and 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 the
matter without further ado to the Financial Ombudsman.
To be frank, I wouldn't even wait for their reply
or wait for the seven days, I would refer it to the Financial Ombudsman now.
One thing I will tell you is that the Ombudsman
does not act quickly and when he applies reassurance he needs to tell the
circumstances and tell them that this has been referred to the ombudsman.
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