lloyds bank car insurance - modifications where do we stand

Anihilator

How many people would write to reconfirm something? Unless they knew there was a mistake or deliberatly had misled them....

Dangermac

Anihilator wrote: »

How many people would write to reconfirm something? Unless they knew there was a mistake or deliberatly had misled them....

I would. A professional company or broker would always confirm important points like this in writing.

Not sure the point that you are trying to make, Anhilator

anna42hmr

Anihilator wrote: »

How many people would write to reconfirm something? Unless they knew there was a mistake or deliberatly had misled them....

thats certainly not the case with dad, he was asked to send a copy of his no claims proof with covering letter for the policy and put it in the covering letter?? not sure what is being insuated here, however we knew we told them hense asking them to listen to the call?? and had not mislead any one!

which considering before listening to the call they wanted to charge dad and additional premium and amendment cover, now they have listened to it and from the voicemail received they are not charging these

do you not check your schedual? policy documents etc?????

Quentin

Anihilator wrote: »

How many people would write to reconfirm something? Unless they knew there was a mistake or deliberatly had misled them....

If the "something" is relating to a contract of any description sending written confirmation should be the norm!

How many posts do you see here where companies deny receiving telephoned instructions (eg regarding cancellations)?

Always put these matters down in writing, keep copies, ask for confirmation of receipt, and if money is (or could be) involved (as is always the case with insurance policies), then use a "signed for on receipt" service to send in the confirmation.

Astaroth

dunstonh wrote: »

I'm surprised they even wanted to increase the premiums on factory fitted items. [snip]...... However, you dont tend to see premium increases that often unless its performance related or a visual impact

This has changed a lot over recent years. I would have certainly have agreed with you a few years ago, would have even gone further and said that most insurers were not interested in any factory fitted optional extras, even though they were very interested in exactly the same changes made post manufacture.

Reality is any changes to the trim level results in a vehicle valuation change and as such results in a premium change. Of cause, adding cruise control only adds a small amount to the resell value of the car but in these days when car insurers are losing money hand over fist then every penny counts.