Car Insurance PaymentsWarning

Quentin

Swintons seemingly have their own language to add further confusion. No wonder the general advice is just avoid!

little_girl_lost

iamana1ias wrote: »

Little girl seems to be an apt username!

so does i am anal ias.

dacouch

OP for the record, your policy can be "cancelled" by you or Swintons or the Insurers mid way through the period of Insurance, it can only "lapse" at the renewal date. Please don't be confused by the previous posters use of the words lapse.

dacouch

Quentin wrote: »

Swintons seemingly have their own language to add further confusion. No wonder the general advice is just avoid!

It makes you wonder if their staff thin CPD is something to do with their computer

dunstonh

lapsed is a term more associated with life plans. Not motor insurance.

Lapsed generally occurs when a plan is effectively pay as you go. i.e. if you stop paying then the plan will lapse after a period. Motor insurance cannot lapse as its a fixed term contract. It can only be voided, cancelled or not renewed.


There is a lot of incorrect terminology going on in this thread, the OP included and probably the solicitor if one actually has been seen. That cannot be helping.

StephenMarsh

dunstonh wrote: »

lapsed is a term more associated with life plans. Not motor insurance.

Lapsed generally occurs when a plan is effectively pay as you go. i.e. if you stop paying then the plan will lapse after a period. Motor insurance cannot lapse as its a fixed term contract. It can only be voided, cancelled or not renewed.


There is a lot of incorrect terminology going on in this thread, the OP included and probably the solicitor if one actually has been seen. That cannot be helping.

Lapsed is commonly used in motor insurance but as dacouch says it signifies the policy coming to the end of its term, hasnt been renewed and was therefore lapsed.

Any policy that stops midterm would be classed as cancelled and not lapsed as the swinton girl is insinuating

little_girl_lost

as the swinton girl is insinuating

ok I'm out of it, clearly you all know better than I do.

Get on with it yourselves.

Quentin

No need to question why you see "swinton - avoid"!

aires

Hmmmmm. It seems to me little_girl_lost is a little_bit_lost_and_less_than_honest. To say there's no ability to take payments via debit card payments is more than a little disingenuous. Also your understanding of how a policy lapses is misinformed and incorrect.

Bottom line is you have two choices when it comes to payments - direct debit or in full. You are more than entitled to cancel your direct debit, in fact you have the legal right to do so. But that does not mean Swinton have to accept monthly payments by card instead - they do not and they generally do not. Once you cancel your direct debit then the whole of the outstanding balance (minus the interest) becomes immediately oweable. Swinton may agree to accept one or two payments by card but they will expect you to supply alternative bank details at some point - you verbally agreed to the inception of a direct debit and more than likely have signed a CCA. Swinton are under no obligation what so ever to accept monthly payments on a card - they can choose to do so or to not do so, it is their choice.

With regards to Swinton having a legal team who work around the clock trying to look for loopholes to get out of claims, always remember this - Swinton are not an insurance company and do not provide the cover you take out - the insurance company Swinton place you with provide the cover and decide whether you have a valid claim or not, not Swinton. Don't shoot the messenger.

dacouch

aires wrote: »

With regards to Swinton having a legal team who work around the clock trying to look for loopholes to get out of claims, always remember this - Swinton are not an insurance company and do not provide the cover you take out - the insurance company Swinton place you with provide the cover and decide whether you have a valid claim or not, not Swinton. Don't shoot the messenger.

Swintons are owned by MMA who are an Insurance company and are the underwriter of the policy little_girl_lost is referring to