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What insurance companies will insure you if you have had a claim denied because of fraud?

Please help! I am not a thief and have never been one although my current insurance company think I am. My car was stolen from my house in March this year and NRMA have denied the claim stating that i was untruthful in my claim. (basically that I did it to do a insurance job) I have many valid reasons why I couldn't have stolen the car.... I had a one year old asleep in the house, I only just bought the car, Would have lost a lot of money if I did receive the insurance money as I over paid for th car and it was only insurance for 12k. I have no criminal record and a clean driving record. I have had 2 cars and and home and contents insurance for 7 years and never made a claim in my life. etc etc etc. They are saying the a correctly coded key was used to drive the car away and there is no possibility that someone other then me would have a key for it. Basically, its all a load of crap. I have tried appealling it with the insurance company but once again been denied. The case is now with the insurance obundsman and I will will be taking them to court if the claim is not finalised in my favour by the obundsman. The policy for my husbands car is due and NRMA are not renewing and I have tried gaining other insurance with different companies but as soon as I explain the story, no one will touch me. I know I have to be honest in case we have a claim in future and if we lie they wont approve the claim. I cannot be without insurance for my house or cars but i have been totally blacklisted from NRMA. So I am asking, are there any insurance companies that will cover us under these circumstances? Or has anyone had a similar situation that could help with some advise. In addition, the police who investigated the theft (after receiving the forensic information) told me they couldn't charge me with lying to the police because they had no proof... So how can nrma not approve that claim when they have the same proof? Thanks in advance

Asked By: Danielle - 12/6/2012
Best Answer - Chosen by Asker
Wow! What a tricky situation... More
Answered By: B!nd! - 12/7/2012
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