We'd like to remind Forumites to please avoid political debate on the Forum... Read More »
Car insurance advice - Protected no claims discount
Sorry this is a little long winded please bear with me.
I have been a customer with this insurance company for car insurance on and off for a while, my wife is also a customer. Recently I sold my car and informed them but because I could not find a replacement car within the given time my insurance was cancelled. I was given a refund for the shortfall as my policy was not due for renewal until next year less a £35 administration charge.
A week or two later I found what I thought was the perfect car so the evening before going to view it I decided to run the cars details through a comparison website. The same insurer offered the best quote so I wrote down the quote reference and took it with me the next day. Happy with the car I phoned the insurance company giving them the quote reference. The operator ran through my details and at the end announced a price which was £7 less than the online quote. Fearing something had been missed I asked if my no claims was protected as I had ticked this option on the comparison website and have always done so. The operator replied that she would have to go back and run through the quote again. Admittedly I didn’t want to do this as I was short of time and using the sellers telephone but the operator said if it was ticked on the original quote all should be well.
A few days later the policy arrived and I noticed my no claims was not protected. I called the insurance company immediately and they confirmed this and that there would be an additional charge of £34 to protect them. I explained what had happened as above and they revised the policy to include the protection but they would review the tapes of the call and make a decision as to who would be liable for payment and call me back in a day or two.
24hrs later they called me back having reviewed the tapes & in their opinion I was to be liable for the extra cost. I again protested that I had ticked the option on the comparison website and that the quote was still there and the option was definitely ticked. So they again said they would go away and check this. Today they called me back and said they had checked the quote and the option was not ticked!!
Doing my best not to lose my temper I explained that I absolutely had ticked the option and that if they looked back at my previous insurance history they would see that my no claims was protected and why would I now not protect them. I finished by strongly advising I would absolutely kick up a stink with anyone who would listen about how I felt I was being treated unfairly. The operator asked me if I would like to escalate this to a complaint and of course I said yes please.
To be honest £34 is not a lot of money but I absolutely 100% did tick the option for protected no claims as I proudly have maximum no claims bonus. Being honest again I would pay the £7 difference originally quoted if they ask me.
I thought I was in the right here but the insistence of the insurance company is beginning to make me doubt myself ?
I have been a customer with this insurance company for car insurance on and off for a while, my wife is also a customer. Recently I sold my car and informed them but because I could not find a replacement car within the given time my insurance was cancelled. I was given a refund for the shortfall as my policy was not due for renewal until next year less a £35 administration charge.
A week or two later I found what I thought was the perfect car so the evening before going to view it I decided to run the cars details through a comparison website. The same insurer offered the best quote so I wrote down the quote reference and took it with me the next day. Happy with the car I phoned the insurance company giving them the quote reference. The operator ran through my details and at the end announced a price which was £7 less than the online quote. Fearing something had been missed I asked if my no claims was protected as I had ticked this option on the comparison website and have always done so. The operator replied that she would have to go back and run through the quote again. Admittedly I didn’t want to do this as I was short of time and using the sellers telephone but the operator said if it was ticked on the original quote all should be well.
A few days later the policy arrived and I noticed my no claims was not protected. I called the insurance company immediately and they confirmed this and that there would be an additional charge of £34 to protect them. I explained what had happened as above and they revised the policy to include the protection but they would review the tapes of the call and make a decision as to who would be liable for payment and call me back in a day or two.
24hrs later they called me back having reviewed the tapes & in their opinion I was to be liable for the extra cost. I again protested that I had ticked the option on the comparison website and that the quote was still there and the option was definitely ticked. So they again said they would go away and check this. Today they called me back and said they had checked the quote and the option was not ticked!!
Doing my best not to lose my temper I explained that I absolutely had ticked the option and that if they looked back at my previous insurance history they would see that my no claims was protected and why would I now not protect them. I finished by strongly advising I would absolutely kick up a stink with anyone who would listen about how I felt I was being treated unfairly. The operator asked me if I would like to escalate this to a complaint and of course I said yes please.
To be honest £34 is not a lot of money but I absolutely 100% did tick the option for protected no claims as I proudly have maximum no claims bonus. Being honest again I would pay the £7 difference originally quoted if they ask me.
I thought I was in the right here but the insistence of the insurance company is beginning to make me doubt myself ?
0
Comments
-
Go back to the comparison site and check you ticked the box, if you can. If you did, complain to the comparison site. Or just cancel the policy and do the comparison/take out the policy again.0
-
Go back to the comparison site and check you ticked the box, if you can. If you did, complain to the comparison site. Or just cancel the policy and do the comparison/take out the policy again.
I have done and yes it was ticked. You see I have a number of quotes for different cars there so all I do is edit car details as everything else is already setup including the tickbox for protected NCB.0 -
The information might not have been passed through to the insurer correctly. If it has, they may contact the insurer on your behalf, if they haven't, they may still ask the insurer to honour the quote and hopefully they will try and fix it for the future. Comparison sites are regulated by the FSA (same as insurers) so they have to log and investigate the complaint. They also have more clout with the insurers than an individual, especially the smaller insurers. It only takes two minutes to send an email and they might solve the problem.0
This discussion has been closed.
Confirm your email address to Create Threads and Reply
Categories
- All Categories
- 350K Banking & Borrowing
- 252.7K Reduce Debt & Boost Income
- 453.1K Spending & Discounts
- 243K Work, Benefits & Business
- 597.4K Mortgages, Homes & Bills
- 176.5K Life & Family
- 256K Travel & Transport
- 1.5M Hobbies & Leisure
- 16.1K Discuss & Feedback
- 37.6K Read-Only Boards