Not upheld: Other regulated complaint complaint against Right Choice Insurance Brokers Ltd

Decision detail

Summary

Mr P complained that RCIB charged him for a motor insurance policy that included his wife as a named driver but did not provide cover for her. Mrs P had run multiple quotes on a comparison website, some including herself as a named driver, and purchased a policy for approximately £997 in August 2024. When Mrs P was involved in an accident in September 2024, police informed her she was not insured. Upon investigation, RCIB confirmed through enquiries to the comparison site provider that the specific policy quote Mrs P clicked through to purchase did not include named driver cover. The ombudsman found that RCIB's system records, policy documents, and the comparison site provider's confirmation all showed the purchased policy did not include cover for Mrs P, and therefore upheld RCIB's position that it did nothing wrong.

The Ombudsman's reasoning

The ombudsman found that while Mrs P ran multiple quotes on the comparison website, some including her as a named driver, the specific policy that was clicked through and purchased did not include named driver cover. This was confirmed by RCIB's enquiries to the comparison site provider. The policy documents sent to Mr P clearly stated no named driver was covered, providing an opportunity for Mr P to identify and rectify the issue early. The ombudsman was satisfied that the policy Mr P paid for did not include his wife as a named driver and therefore RCIB did nothing wrong.

How this compares

Source

Read the original decision on the Financial Ombudsman Service website