Car Insurance charge to change DAY of birth

dacouch

Loughton_Monkey wrote: »

This could all probably have been avoided by simply not phoning them All policies these days give full cover in Europe and I have long since ceased telling my own company.

All companies do not give full cover in Europe

Inactive

Loughton_Monkey wrote: »

This could all probably have been avoided by simply not phoning them All policies these days give full cover in Europe and I have long since ceased telling my own company.

Are you sure about that?...I thought that many insurers only gave 3rd party basic cover in Europe??

opinions4u

1. Pay the charge.
2. Pursue reimbursement via the routes suggest above (DPA etc).
3. At renewal go elsewhere and never do business with this company again.

vaio

Loughton_Monkey wrote: »

.......This could all probably have been avoided by simply not phoning them All policies these days give full cover in Europe and I have long since ceased telling my own company........

Whilst I'm a firm believer in not bothering insurance companies when I don't have to (it only confuses them and normally costs) EU law means that a car insured in this country is legal in any other EU country that doesn't necessarily mean you have the same cover as in the UK.

Your policy will explain what, if anything, you need to do to maintain full cover abroad

mikey72

Loughton_Monkey wrote: »

........ And I used to be a director of this company!!!!

Guess you trained them well, they'll rip off everyone equally.
As most other companies have dropped to minimum cover for europe, keep on eye on your ex-company. They'll simply change the policy one year, and not mention it, like 95% of the others have done. (While still stating "european cover", - which is true)

dunstonh

Actually, I disagree with this. A nominal charge, maybe. Not £35. Under the fourth principle of the Data Protection Act, information must be accurate and up to date. By holding information which they know to be inaccurate, they are breaching the act, which is legal requirement. While they may be able to cancel the Policy, this would be a good legal basis for small claims action against Hastings for non-compliance. I suspect a letter to data controller will make them compliant. I suspect they won't risk an "in breach of the Act" decision by the ICO for failing to update inaccurate information.

£35 would be considered a nominal charge. The data protection act is irrelevant. They can change the date whether the OP pays the £35 of not. They can then give her x number of days to pay it if she refuses and then they can decide to cancel it for non payment. There is no breach of data protection rules here.

dzug1

rebecca1 wrote: »

My problem with this is - does it really matter that they have the wrong DAY of birth???? How would that affect my insurance claim???
I just think that there angle is too make money for nothing!

It could matter - in proving that the person who took out the policy with a dob of say 1 March is the same person whose dob is 5 March. A matter of proof of identity.

vaio

Nah, it's money making because they can.

diamond_mum

When they send you the documents when you take out the insurance out you are suppose to check all the information to see if it is correct. So if you have done this and there was no mistake then its not your fault. Check your documents.

We had this with admiral. We got a quote online but because we wanted to pay in instalments we had to ring them. My husband took the call and they went through everything online dob, address etc etc. We took out the insurance and they posted all the paper work to us, we checked through it and there were 7 mistakes!! I can't remember what they all were but one was the year my husband was born, they had him down a year older, and how many years my no claims were, think I had it down as 7 they had 8. We rang them right away but they would not take the blame and said it would be such and such a price to amend the details. We argued it out, in the end they had to listen to the recorded phone call and my husband said yes to the right date of birth and the right years of no claims. We cancelled the insurance and they waived fees.

olly300

diamond_mum you just reminded me that when I moved a lot in one year I kept getting new insurance papers and certificates. On my final move I noticed the insurance company had changed my gender and DOB. So I wrote them a complaint letter sent by recorded delivery and got something like £17 back from them in recalculated premium. (This was after they had given me money back after my first move)

If you check your insurance papers as soon as you get them then the insurance company has to change it for free.