Ok, I saw the other post on why should have car insurances.
Let me share my problem on why I don't have car insurance and I'm hoping fellows in OzBargain can help me here.
Here it begins:
I do not have car insurance for my car, right now.
I could not find an insurer to insure my car (more precisely, on me.)
Last Sept, I switched my car insurance from AAMI to Budget Direct, considering lower premium.
However, I only mentioned two claims when I purchased the policy, whereas there were actually four in the past.
When I filed my new claim last Oct, Budget Direct denied the claim and refunded my policy, due to non-disclosure in the first place.
Honstly, I understand why Budget Direct did this, and I'm fine with their decision. I did forget to file the extra two claims, and according to their underwriting guidance, four past claims will put me uninsurable in the first place.
So, I fixed my car out of my own pocket, and I was ready to move on.
Appareantly, I underestimated the gravity of the situation.
I tried AAMI, Comm Insurance, GIO, etc. etc. No insurer is willing to insure me, due to I have been denied by an insurer before, under the ground of non-disclosure.
I tried couple of of insurance brokers as well, none of them even heard of this situation before.
I have two strategies here:
Find an insurer willing to insure me, or
Dispute Budget Direct's decision.
The latter one is ongoing, but not promising, Internal Dispute done, AFCA claim in progress, with slim chance (again, as it should be). Talked to lawyer even with no luck.
The former option is not much hopeful neither. Brokers have not heard of the situation, Insurance Council can only suggest use their website to find insurers and then call each of them individually. Insurance finder can only send insurance info close to my address. insurancelaw.org.au has been great help, but not enough to solve the problem.
Oh by the way, if i insure my car under someone else's name, when I'm in involved in the accident, the situation is still not insured.
So, fellows in Oz Bargain, any advices?