Swinton Cancellstion fee

lisyloo

if not, I think he's been hard done by.

Does he not have a telephone or email where he can ask??

zppp

Brize wrote: »

Yes, someone driving 1mph over the limit would be an honest mistake, hence the 10 per cent plus 2 rule. Missing a 30mph sign would indicate that the driver wasn't paying attention. This brings me back to my earlier point: if the cancellation fee was made explicit, the OP can have no cause for complaint; if not, I think he's been hard done by.

And how do you know it was not explicit? You are assuming it wasn't.
Perhaps you should look at the terms and conditions that custardy posted a few posts ago. Looks pre-contract to me.

lisyloo

Oh look here you are.............that took me about 2 minutes to find

http://www.matthewsguide.co.uk/LIN/swinton.php

Brize

lisyloo wrote: »

Hi Brize,

You and tonyenglish are CONSUMERS
You don't get to dictate to companies how they structure their charges (unless you want to start you own company).
It's NOT your choice.
Get over it.

I don't like the way Ryanair do things, but I think I can live with my choice NOT to fly with them.
It's a FREE COUNTRY providing companies are acting within the law/guidelines.
If you don't like them then DON'T SHOP WITH THEM, but of course that does require a little research.

Kindly stop shouting at me - repeated use of caps is aggressive and unnecessary.

No one's trying to dictate anything. The OP felt unfairly penalised and I felt some sympathy for him. You, along with most of the other contributors to this thread, felt that the OP only had himself to blame.

You're entitled to your opinion, but please don't try to foreclose discussion by telling other forum members to 'get over it'.

Brize

lisyloo wrote: »

Oh look here you are.............that took me about 2 minutes to find

http://www.matthewsguide.co.uk/LIN/swinton.php

Are you suggesting that consumers should be expected to go to a third-party website before buying insurance?

dacouch

lisyloo wrote: »

Oh look here you are.............that took me about 2 minutes to find

http://www.matthewsguide.co.uk/LIN/swinton.php

That website is highly amusing, it's worth having a look round to see the inconsistent information they give, generalisations etc etc

custardy

zppp wrote: »

And how do you know it was not explicit? You are assuming it wasn't.
Perhaps you should look at the terms and conditions that custardy posted a few posts ago. Looks pre-contract to me.

just to clarify,those T&C's are before you sign up
that page i have posted is page 10 of 14
the 9 pages before relate to the policy you have just set up with regard to car,driver,history etc
page 10 is the first page of general T&C's

at the bottom of every page is a "need help call 0800 107 7156" message

Brize

zppp wrote: »

And how do you know it was not explicit? You are assuming it wasn't.

I just ran a car insurance quote through the Swinton site and followed the process through to the point where it asked me to enter my credit card details. At no point was it made explicit that a charge would apply if the policy was cancelled within the cooling-off period.

On the page where I exited the site, there is a paragraph of small print where the purchaser is asked to confirm that they have read and understood six linked multi-page documents. That paragraph includes the following text:

I am satisfied that, to the best of my knowledge, the information I have provided is correct. I understand that any subsequent changes I make to my policy will be subject to a service charge...

Would it really be too much to ask for the cancellation charge to be made explicit at this stage?

There are two issues here: First, consumers can't reasonably be expected to read six multi-page documents when buying insurance online. This is why the FSA allow 14 days for cancellation after the policy documents have been received.

Second, most consumers are vaguely aware that they have statutory cooling-off rights, but they won't be familiar with the finer points of the legislation. In my view, companies like Swinton need to make clear to their clients, at the point of sale, that they may still incur a fee if the policy is cancelled within the cooling-off period.

custardy

Brize wrote: »

I just ran a car insurance quote through the Swinton site and followed the process through to the point where it asked me to enter my credit card details. At no point was it made explicit that a charge would apply if the policy was cancelled within the cooling-off period.

On the page where I exited the site, there is a paragraph of small print where the purchaser is asked to confirm that they have read and understood six linked multi-page documents. That paragraph includes the following text:

I am satisfied that, to the best of my knowledge, the information I have provided is correct. I understand that any subsequent changes I make to my policy will be subject to a service charge...

Would it really be too much to ask for the cancellation charge to be made explicit at this stage?

There are two issues here: First, consumers can't reasonably be expected to read six multi-page documents when buying insurance online. This is why the FSA allow 14 days for cancellation after the policy documents have been received.

Second, most consumers are vaguely aware that they have statutory cooling-off rights, but they won't be familiar with the finer points of the legislation. In my view, companies like Swinton need to make clear to their clients, at the point of sale, that they may still incur a fee if the policy is cancelled within the cooling-off period.

the first link takes you to the page with charges

Brize

custardy wrote: »

the first link takes you to the page with charges

I think I acknowledged as much in my most recent post. Again, why can't the cancellation charge be made explicit at this stage?