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arghgh kit car insurance
graememk - 7/6/08 at 08:34 PM

got a letter from my insurance (sure term) they have cancelled my insurance after 1 month as they dont have my proof of owners menbership which a sent them, anyway no letters from them or phone call just got a letter saying its cancelled.

policy price £141.83
cover for one month £58.30
underwriters retains £47.41
none refundable £20 legal expenses
therefore policiy amounts to £103.72
we have received £161.83 and as a valued customer please call us to arrange a refund of £58.11 omg

no explanation, just canceled, anyone else had problems like this ?

big_wasa - 7/6/08 at 08:43 PM

that sucks

locoR1 - 7/6/08 at 08:55 PM

That doesn't sound very fair

You didn't take one of there employees out for a ride did you?

watsonpj - 7/6/08 at 08:57 PM

I just had a recorded delivery letter saying that they hadn't received my signed proposal and that this was a 'non conditional cancellation and as,such cannot be withdrawn' . To be fair I hadn't sent it as it had got mixed in with some other stuff and forgot.

I rang them the next day to discuss it and they were really good and extended another 10 days. Needless to say I sent them the docs and will ring them monday to ensure they got it.

Have they actual cancelled it or just given you a date when they are going to.

I'll go and dig out my docs and the letters (yes letters) they have sent so that if you do have problems you can at least quote another customers experience.

Regards Pete

mookaloid - 7/6/08 at 09:06 PM

Sureterm did something similar to me once - I called them and had a discussion and they did put it right

Cheers

Mark

eznfrank - 7/6/08 at 09:15 PM

Complain and then take it to the FOS if neccesary - they'll likely sort you out if subject to that threat, mainky cos they get charged £425 per referral to FOS whether they're right or wrong.

watsonpj - 7/6/08 at 09:37 PM

Graememk you have U2U

Simon - 8/6/08 at 12:45 AM

Technically, for them to cancel the cover, they need to have the certificate in their hands, not yours.

I'd call them in a friendly manner to start with, explaining that you've sent docs etc etc.

If that doesn't work, there's always the ombudsman, FSA etc etc

ATB

Simon

martyn_16v - 8/6/08 at 09:25 AM

quote:
Originally posted by graememk
no explanation, just canceled, anyone else had problems like this ?


Yup, I got 6 points because of it

Many years ago when I were a student type I was insured with Firebond. Payment didn't go out of my account one month (must have spent it on beer) so they cancelled my policy. I didn't find out about it until 4 months later when I had an accident and phoned them up to tell them. It seems they sent me a recorded letter to tell me it got cancelled, but it never got delivered and they got the letter back a couple of weeks later. Even though they therefore KNEW I hadn't had the letter they made no effort whatsoever to contact me...

Explained in magistrates court and managed to get out with the absolute bare minimum punishment

Paradoxia0 - 8/6/08 at 09:34 AM

They are a pain in the a**e for that!

When I was trying to get through my SVA they sent me letters regularly threatening to cancel my policy as I hadn't given them my Reg no. A phone call later and told to ignore the letter as they had made a not on the system.

Renewed it this year and sure enough a week later a letter saying they were canceling the policy as I hadn't sent my proof of mileage which they had never asked for. Another phone call and the form arrived the next day so I returned it.

They are cheap, but a pain to deal with!