He was advised by the company that it was unable to pay his claim, since its investigations revealed that the insurance certificate for the car driven by the allegedly negligent driver was obtained through fraudulent means. To all intents and purposes, therefore, there was no insurance cover at the time of the accident.
Mr. G was not prepared to accept the explanation given by the company and visited the Office of the Financial Ombudsman (OFSO) to lodge a complaint.
Upon review of all the information presented by the insurance company, the OFSO was of the view that the company was within its rights to deny liability for payment of claim and advised him accordingly. The complainant presented no further evidence to support his case against the insurer. The complaint was deemed to be without merit and was withdrawn.