Car insurance advice required

mardi 20 mars 2018

We have an issue with our daughters car insurance. These are the main points ( as i see them,
1) We took the insurance (Tesco) out in July
2) My daughter filled in her details online
3) I phoned up and paid the years premium in full
4) My daughter didn't check her details when she received the email with her policy - I accept this was a big mistake!!
5) She recently looked at the policy and discovered various errors where they had mixed up both mine and my daughters names and details
6) We are NOT trying to make a claim
7) They won't transfer the policy in to her name
8) They won't give a full refund and are claiming they would have covered her in the event of an accident as they listened to a recording of my call to them and realise they have made a mistake
9) They are offering approx 1/2 the money back as a refund

So with all that in mind are we justified in asking for a full refund (as i don't believe they would have covered her in the event of an accident ) or would she have received cover if required, in which case we should accept the refund that has been offered?
Also would it be worth contacting the insurance ombudsman?
TIA


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