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    • fourxxxx
    • By fourxxxx 8th Oct 17, 2:57 PM
    • 7Posts
    • 17Thanks
    fourxxxx
    Car Insurance rip off once cancelled.
    • #1
    • 8th Oct 17, 2:57 PM
    Car Insurance rip off once cancelled. 8th Oct 17 at 2:57 PM
    Hi.
    My wife took out car insurance with a protected no claims bonus.
    One week in, the insurance company called to say they couldn't accept the 'no claims bonus' due to her claiming for a windscreen a few years ago as the computer wouldn't accept it, but would if we got rid of the 'no claims bonus.'
    We accepted this, even though her previous insurer let us have it, taken out after the claim on the windscreen.
    This bumped up the insurance for some reason.
    We got more quotes and accepted a different insurer, then cancelled the insurance 3 weeks in, with the company who wouldn't accept the no claims bonus.
    They are now pounding us for £168.00 cancellation charge which has been taken out of our bank account, without our say so.
    We got onto the bank on the same day and and got them to reinstate the money into our account which has now started a dispute between us, the bank and the insurance company.
    So, what I am saying is.....
    How can a insurance company say, for 3 weeks car insurance, we owe £168.00 going upto £208.00 as we had already paid just over £40.00 as a deposit?
    3 Weeks car insurance for £208.00??????
    They are having a laugh aren't they?
    Any help would be appreciated.
    Many Thanks.
Page 1
    • k3lvc
    • By k3lvc 8th Oct 17, 3:04 PM
    • 1,865 Posts
    • 2,924 Thanks
    k3lvc
    • #2
    • 8th Oct 17, 3:04 PM
    • #2
    • 8th Oct 17, 3:04 PM
    Without a level of ESP or reading the T&C's on your policy no-ones going to be able to answer. Presumably the cancellation fee includes admin elements and the 3 weeks of cover at the higher (no NCB) rate.

    Assuming your old insurer has confirmed NCB on the renewal notice then I'm struggling on how a new insurer has a different definition of NCB.

    Is it more the case that the new insurer asked whether there had been any claims/losses/accidents (different from NCB) and Mrs Fourxxx answered no when the correct answer was yes ?
    • Quentin
    • By Quentin 8th Oct 17, 3:04 PM
    • 33,044 Posts
    • 16,998 Thanks
    Quentin
    • #3
    • 8th Oct 17, 3:04 PM
    • #3
    • 8th Oct 17, 3:04 PM
    Ask them to itemise the charges and take it from there.
    • Manxman in exile
    • By Manxman in exile 8th Oct 17, 4:29 PM
    • 861 Posts
    • 575 Thanks
    Manxman in exile
    • #4
    • 8th Oct 17, 4:29 PM
    • #4
    • 8th Oct 17, 4:29 PM
    Is it more the case that the new insurer asked whether there had been any claims/losses/accidents (different from NCB) and Mrs Fourxxx answered no when the correct answer was yes ?
    Originally posted by k3lvc

    This happened when we changed insurers three years ago. We foolishly did not realise that getting a windscreen chip repaired counted as a claim. The new insurers wrote to us asking us to contact them otherwise they'd cancel the policy. We sorted it out amicably with no effect on the premium. They accepted it as a simple (but stupid!) oversight on our part.
    • forgotmyname
    • By forgotmyname 8th Oct 17, 11:48 PM
    • 25,854 Posts
    • 10,291 Thanks
    forgotmyname
    • #5
    • 8th Oct 17, 11:48 PM
    • #5
    • 8th Oct 17, 11:48 PM
    If she had x years of no claims bonus then that is what she had. But she would have needed to declare the claim for the windscreen. Was that the issue?

    There will be plenty of people with x years of no claims discount even though they had a claim recently. Your no claims may have been protected etc. Or a claim that did no impact the number of years. Plenty of reasons.

    Why would you accept insurance with zero no claims if you have proof of x years no claims bonus?

    £200 maybe very cheap for 3 weeks insurance for someone with zero no claims. But without knowing what your initial charges were and how much the fees are to cancel etc, then who knows if the figure is right.

    You paid a desposit so assume a monthly payment plan which can add over 30% to a premium. So your not just cancelling the insurance your cancelling the finance agreement also.

    Because you claimed the money back they could pass it onto the debt collectors.
    Punctuation, Spelling and Grammar will be used sparingly. Due to rising costs of inflation.

    My contribution to MSE. Other contributions will only be used if they cost me nothing.

    Due to me being a tight git.
    • csgohan4
    • By csgohan4 9th Oct 17, 7:43 AM
    • 3,851 Posts
    • 2,399 Thanks
    csgohan4
    • #6
    • 9th Oct 17, 7:43 AM
    • #6
    • 9th Oct 17, 7:43 AM
    This thread highlights the importance of reading the T+C and ensuring what a claim is and the cancellation charges
    "It is prudent when shopping for something important, not to limit yourself to Pound land"
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