car insurance problems with Liberty Seguros

I have had my car insurance with Liberty Seguros for the last 9 years without making a claim

Around 75 days ago my UK registered LHD car was stolen and now Liberty Seguros are saying that because the registered keeper of the car is a motor dealer based in the UK they will not pay out on the policy

I have sent Liberty Seguros a letter from the motor dealer stating that although they are the registerd keeper of the car that I am the actual owner

I am not a Spanish resident and the car has a currrent British MOT and road tax

I would appperciate any advice on how to proceed

Hi Geoffrey,

Please can you expand on the situation and the insurers reasons for the repudiation, eg

~ what is the relationship between you and the UK motor dealer?

~ why was this arrangement in place etc?

~ is the UK motor dealer a firm of good standing?

~ were they originally involved when you insured the vehicle 9 years ago?

~ is there any conflict/disagreement between you and the UK motor dealer?

~ are you connected to the motor trade job wise?

~ have you had a large number of vehicle changes in the 9 years?

~ do Liberty Seguros give any implied reason that they say affects their situation ie increase in risk, non disclosure of a material fact etc?

~ whose names appeared on the proposal form, was this relationship disclosed at any time?

~ if you are a non res and this is a LHD UK reg car why was the vehicle insured in Spain?

~ was the vehicle normally kept in Spain?

~ did the theft take place in Spain?

~ was it reported to the police?

~ was the vehicle recovered?

These questions are not intended as at all critical, but I cannot quite get to grips with the facts, but possibly there is something else lurking in their minds.  Insurers are a suspicious and nuerotic breed and react adversely to any situation which is at all different, particularly if it is a surprise, even though it may not be relevant.

Feel free to reply by PM if you prefer.