Car insurance saga.

raskazz

capstain411 wrote: »

They are blaming Hastings direct for being draconian.

I'm surprised that they can say that with a straight face. From the dates given in your first post, Hastings gave 1 month from inception for you to provide NCD proof. That is exactly the same period that almost all private car insurers give - it is as close to an 'industry standard' that you can get.

capstain411

raskazz wrote: »

I'm surprised that they can say that with a straight face. From the dates given in your first post, Hastings gave 1 month from inception for you to provide NCD proof. That is exactly the same period that almost all private car insurers give - it is as close to an 'industry standard' that you can get.

What Halifax mean by draconian...is they should consider the fact that, the non confirmation of NCB was not because of my error but due to administrative error and communication gap and that Hastings direct should reinstate my policy.

raskazz

capstain411 wrote: »

What Halifax mean by draconian...is they should consider the fact that, the non confirmation of NCB was not because of my error but due to administrative error and communication gap and that Hastings direct should reinstate my policy.

Why should they? They gave 30 days for you to provide valid proof of NCD - which is, as I say, industry standard. The root cause of the non-confirmation was Halifax's error. There would be no 'communication gap' if Halifax had not messed things up.

I know exactly what will have happened - you supplied the written proof to Hastings. They called Halifax to confirm things. Halifax could not confirm it as the policy record did not match Hastings' answers to Data Protection checks. The reason - Halifax put the wrong policy number on the document.

Trust me, I am no fan of Hastings Direct but they are not in the wrong here. Halifax are, and for them to try to blame Hastings for their own failures is ridiculous.

Edited to add: Furthermore, if you claimed from Hastings for the total loss, they are not obliged to let the policy run after that in any case (even ignoring the NCD 'problem'). The policy has fulfilled its purpose.

kwaks

Ok I am a bit confused here....

Did Hastings honour the total loss claim? If so then as said above they have fulfilled their policy requirements and are under no obligation to continue a policy for another vehicle.

Did Hastings not honour the total loss? If not why are you not looking to reclaim this expence.

If, and you need clarification of this, Hastings honoured your claim however had not assigned your NCB to the policy, and subsequently have no intention of doing so, then I fail to see any reason for them to apply step back to the NCB. In essence this was a second policy and should not affect your NCB.

Anihilator

capstain411 wrote: »

Hello ppl,

I have received a letter from halifax admitting error. But customer service do not consider their administrative error as reason for cancellation of my policy. They are blaming Hastings direct for being draconian.

I have lodged complaint with Financial ombudsman after spending 1 hr 48 mins with halifax customer service today and they being totally oblivion of what I have gone through.

Anybody had any success with Financial ombudsman resolving the problem. I am demanding £400 compensation. Money lost in premium left over from cancelled policy and £50 for 4 weeks bus fare ( 4 buses to catch to and from work).

Well firstly the ombudsman won't touch it till you exhaust the complaints procedure and have a final decision notice.

Secondly to a degree halifax are right. They shouldnt be liable for your travel costs (why didnt you minimise these and get insurance elsewhere? also the fact you would have had petrol anyway - i.e your taking the !!!!). As for premium left over in policy??? If Hastings cancelled your insurance they should refund this amount. They cant just keep it.

Somethings not right here. Sounds like your screwing people over for cash your not entitled too.

capstain411

kwaks wrote: »

Ok I am a bit confused here....

Did Hastings honour the total loss claim? If so then as said above they have fulfilled their policy requirements and are under no obligation to continue a policy for another vehicle.

Hi Kwaks,

Hastings has honored total loss claim. Furthermore before cancellation they did give me the offer to insure my new car on the same policy. But due to mix up with Halifax, the policy was cancelled.

Financial ombudsman today registered my complain. I have been issued a reference for my case. The case handler seemed to be very helpful chap. He did warn me though, that cases involving insurance can take ages to resolve.

My next concern is, how should I declare cancellation of my policy prematurely while getting my new car insured. When I enquired with Hastings and Halifax customer services, both confirmed it should not affect future policy quotes as this is not cancellation due to fraudulent claim but due to a administrative mix-up.

kwaks

The answer as to whether you have had insurance refused or cancelled is simply no. Essentially your insurance paid out in full and that was the end of its obligation. Hastings were going to allow you to continue the policy with the new car, but changed their mind. Thats their perogative and may yet work in your favour.

You still need to find out if your insurer used your NCB on the policy which has paid out, cause IF they didn't then you will not have lost NCB (hence may be in your favour) as this would be classed as a seperate policy.

capstain411

Fantastic news. FOS has resolved my case. Halifax refunded £327 which is 11 months premium for causing cancellation of my new insurance with Hastings, due to their clerical error.

FOS also directed Halifax to pay travel charges of £66 pounds incurred by me due to cancellation of insurance.

My only advise to all the forum members is do keep all documents sent by insurer just incase if you have a discrepancy. The amount of documents I had to provide and time consumed in arranging them makes the refund hardly worthwhile. But nevertheless justice has been done. Halifax finally admitted it was their fault and issued me two apology letters.

Lastly one of the member posted comments which suggested I might be falsley claiming money. Well I hope he will think before he posts and not make matters worse by posting illogical speculations.

stugib

capstain411 wrote: »

Lastly one of the member posted comments which suggested I might be falsley claiming money. Well I hope he will think before he posts and not make matters worse by posting illogical speculations.

Anihilator is thankfully banned again, though he'll pop up with yet another AE soon.

darich

Anihilator wrote: »

Well firstly the ombudsman won't touch it till you exhaust the complaints procedure and have a final decision notice.

Secondly to a degree halifax are right. They shouldnt be liable for your travel costs (why didnt you minimise these and get insurance elsewhere? also the fact you would have had petrol anyway - i.e your taking the !!!!). As for premium left over in policy??? If Hastings cancelled your insurance they should refund this amount. They cant just keep it.

Somethings not right here. Sounds like your screwing people over for cash your not entitled too.

I don't think he reads the junk before he posts it.

minimise costs by taking out new insurance???? Well unless insurance can be had for less than £50 I'd say costs were already minimised.
No petrol expense because you had it anyway? What absolute tripe.

Glad you've been refunded OP and it just shows what Junk Annihilator comes out with if you've been refunded in full including the £66 for bus fares

Well done.