Help! I had an accident, it was my fault, and I've just discovered a typo on my insurance certificate

[PanickingDriver]

My insurers have been dealing with my claim and the third party claim.

However, today I received a letter from MIB saying that it is alleged my car wasn't insured. Called them, gave them my policy number etc and they said they'd look into it.

Also emailed case handler at my insurers to check all ok.

I've just discovered a typo in the registration number on my insurance certificate. Clearly I'm an idiot for not double checking, although it's hard to spot (two of the same letters wrong way round)

Are my insurers going to try to avoid the claim? I'm worried sick. I've read some info online which suggests they won't just for a typo but I don't know how we'd afford the costs for us and the third party otherwise

Post on the Legal board to see if any of the MN resident lawyers/barristers have a view? I seem to recall reading that insurers aren't meant to invalidate policies due to minor things like this, but I'm not a lawyer.

When I worked in insurance if you could see it was a genuine oversight then we would amend the document- however youd be charged an admin fee for doing so

I think @AfterTrentham is correct, but I'm not sure whether it's a minor flaw - often when you put in the registrar number, it brings up the make and model of the car from the DVLA database.

Assuming those details are correct and if really is just a typo, I'd expect the insurer to pay.

If those details are incorrect and you have accidentally clicked "yes" when asked for confirmation that your car is say, a blue Ford Fiesta when it's really a black Land Rover, then you might have a problem because you would have been expected to notice.

You can always call the financial Ombudsman service for advice and they'll talk you through what to do if your insurer rejects the claim.

Best of luck.

Thanks everyone

Weirdly, the make and model is correct (even colour) so I'm not sure how it's happened.

I worked in a slightly different industry but I would have thought the above principles applied but am worried sick. Have to call on Monday

Happy to pay admin fee several times over if it avoids paying out a settlement for third party

Big lesson learned

I'll ask for this to be moved, thanks

I've just looked on the DVLA tax checker thing to see if the listed reg exists - it doesn't

So hopefully this will be accepted as a genuine error

I've just looked on the DVLA tax checker thing to see if the listed reg exists - it doesn

So your insurer was happy to insure a non-existent car ? Might be worth knowing who they are, so we can avoid them ....

If the insurer won't pay up go to through their complaints procedure and end with the ombudsman. If it is a genuine error they will find in your favour particularly as the other details are correct. Every time a matter is referred to the financial ombudsman it costs them 500 pound so they do try to avoid it!