I took out my car insurance last September 09 with Bewiser insurance. I advised them that I could not complete details on line as my particular car didnt show, I have a BMW SMG M3 ac schnitzer. They didnt know what a ac Schnitzer was so I explained that they modify cars all mine had was alloy wheels and a tail pipe no mechanical or body modifications. I had an accident 18th July no other car I hit a slippery patch of diesel on road and it threw me into the curb and hedge damaging the rear sub frame and other parts. Firstly they offered me £12, 500 for the car I refused this as I said that it was worth more as the car was a schnitzer and I felt it was worth more. They then came back to me and said that the underwriter had not been told of the modifications to the car, however I knwo for a fact they were told as I read of the full description of the car when I bought it to the insurance company and they accepted that I valued it at £19k. They wrote my car off cat D so I lot the right to a hire car. They then have taken until todays date to tell me they are voiding my insurance and I will get nothing. The underwriter told me that Bewiser gave them only one taped mesasage of my asking about insurance they say I never mentioned wheels however they didnt say I did not mention it was an ac schnitzer however I had to call them back with details of the car a second time explaining the detail of my car and yet they still gave me the quote and accepted it now they have to pay out they are saying they did not know about wheels. The quite they gave me origionally was for an M3 smg £12, 500 this would be no modifications, however the point here is that they are not wishing to pay me more for a car I know I gave them full information on because the representative of bewiser was very interested to hear about the car so now I feel they are withholding this second conversation because they have not sent full details to the underwriter. I have never made a claim I have full no claims bonus and would have had no reason at all to withhold such information why would I. I feel totally let down by all of this I have never ever withheld information and the car meant too much to me to mess up any insurance I even swore on my childrens lives that I had told them. I am at my wits end I suppied them with information at inset on insurance and I have answered all their questions this seems so unfair really unfair if you can help me in anyway I would really apprecaite it. There are no photos of damage the car looks perfect it is all underneath the car and it is held at a reapriers in M Keynes at this present time.
Thanking you
Denise Faulkne
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