Insurer cancelled policy without notice - where do I stand?

gozaimasu

Really old thread.

esmerobbo

Why was it cancelled did you make payments?

Rossy.

esmerobbo wrote: »

Why was it cancelled did you make payments?

Agreed

Insurance usually only gets cancelled if

A) you haven't paid
they believe you've given fraudulent details (im not claiming you have btw)

Insurance doesn't usually get cancelled for no good reason

Rossy.

gozaimasu wrote: »

Yes I paid for it.

what reason are they giving?

Rossy.

gozaimasu wrote: »

I explained in my original post why they said they cancelled it - they said they sent me 2 letters that I did not reply to, and as such they cancelled it. I didn't even recieve the letters they are referring to, which I assume must have related to a claim.

I noticed that

you also said they sent emails

did they include anything in the emails?

failed letters don't constitute enough reason to cancel insurance unless the letters contained the reason for cancellation

gazfocus

But what were the letters meant to say? They wouldn't just cancel your policy for ignoring 'general letters'.

esmerobbo

The letter simply states your insurance has been cancelled without giving a reason? Did you send any required documents to them ie: NCD proof?

Rossy.

you said possibly relating to an earlier claim

could they be thinking it was fraudulent?

did you send all required statements/docs?

maybe call them and find out what their reason is as we could guess all day long to be honest

Lum

A more general point but there really needs to be a change in the law on this one, requiring them to use recorded delivery as a minimum, with any cancellation not taking effect until signed for. The Post Office Act that states that 100% first class post is legally deemed to have arrived within 10 days is outdated, archaic and doesn't reflect the reality of today's Royal Mail.

Unfortunately while that act still exists, insurers can pull stunts like this. I have the same grief with my landlord but they have finally agreed to email me as well as sending a letter.

esmerobbo

Lum wrote: »

A more general point but there really needs to be a change in the law on this one, requiring them to use recorded delivery as a minimum, with any cancellation not taking effect until signed for. The Post Office Act that states that 100% first class post is legally deemed to have arrived within 10 days is outdated, archaic and doesn't reflect the reality of today's Royal Mail.

Unfortunately while that act still exists, insurers can pull stunts like this. I have the same grief with my landlord but they have finally agreed to email me as well as sending a letter.

Agreed then you could have no doubts you are not covered.

Gordon_Hose

Problem is, the small print will probably state that they can cancel the insurance at any time, without notice.

I think there's more to this than the OP is letting on. Insurance isn't cancelled for no reason, the OP has obviously spoken to them to discover his ins has been cancelled. We need to know what the letters they claim to have sent said.