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Co-op insurance have cancelled my partners car insurance

Aerial_Man
Posts: 16 Forumite
Here is the situation. My partner had an insurance policy with Co-op insurance.
She had her first payment bounce from her bank account, so I rang Co-op insurance to set up the direct debits from my bank account. They took the payment details from me and told me that everything would be fine with policy. They even sent us a letter (dated the 17th jan) confirming the new payment details and also a direct debit mandate which I signed and returned.
We recieved a letter from them last week advising that the insurance policy has been cancelled and we should return the documents (they did not even attempt to take payment from my account). So now my partner cannot get to work and cannot take our daughter to school. Also her insurance history has been tarnished due to having a policy cancelled meaning that car insurance will be very expensive for her if we even manage to get a quote at all.
Surely they cannot do this to us, please help.
All they have offered is to sell us a new policy, but I want them to reinstate the one that they cancelled and erase cancellation from my partners history.
She had her first payment bounce from her bank account, so I rang Co-op insurance to set up the direct debits from my bank account. They took the payment details from me and told me that everything would be fine with policy. They even sent us a letter (dated the 17th jan) confirming the new payment details and also a direct debit mandate which I signed and returned.
We recieved a letter from them last week advising that the insurance policy has been cancelled and we should return the documents (they did not even attempt to take payment from my account). So now my partner cannot get to work and cannot take our daughter to school. Also her insurance history has been tarnished due to having a policy cancelled meaning that car insurance will be very expensive for her if we even manage to get a quote at all.
Surely they cannot do this to us, please help.
All they have offered is to sell us a new policy, but I want them to reinstate the one that they cancelled and erase cancellation from my partners history.
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Comments
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Funny thing to do, stop your cover because your payment bounced.0
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Well you partner needs to get on the phone to speak to the complaints department. Sounds like they have either made a mistake or could not set up a new DD with the new details. The Insurance policy and credit agreement will allow them to cancel the policy, in the event of non payment, once they have issued a letter to advise of the payment situation.
Cancellations for payment problems like this don't need to be disclosed, as they don't create a black mark. The cancellations that need to be dislosed are those where the Insurers have found non disclosure, a fraudulent claim or other cancellation due to breach of policy terms, as just a few examples.The comments I post are personal opinion. Always refer to official information sources before relying on internet forums. If you have a problem with any organisation, enter into their official complaints process at the earliest opportunity, as sometimes complaints have to be started within a certain time frame.0 -
if there had been a problem with the account (would not allow DD etc) any letters would have been addressed to your partner as policyholder. The cancellation letter should have also given you seven days notice if not already notified in any previous letters.0
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Cancellations for payment problems like this don't need to be disclosed, as they don't create a black mark. The cancellations that need to be dislosed are those where the Insurers have found non disclosure, a fraudulent claim or other cancellation due to breach of policy terms, as just a few examples.
I thought that you must disclose any cancellation because when you get a quote it says "Any driver insurance declined, cancelled, voided or special terms imposed" If I tick no then I am not giving full disclosure.
Which means she will not be able to use price comparison websites as she will need to be refered to a special quotes team.0 -
.......Cancellations for payment problems like this don't need to be disclosed, as they don't create a black mark. The cancellations that need to be dislosed are those where the Insurers have found non disclosure, a fraudulent claim or other cancellation due to breach of policy terms, as just a few examples.
If the question asks about cancelled policies then it need to be disclosed, you might be able to mitigate the effect by explaining the circumstances but don't risk non disclosure0 -
if there had been a problem with the account (would not allow DD etc) any letters would have been addressed to your partner as policyholder. The cancellation letter should have also given you seven days notice if not already notified in any previous letters.
Nope, the letter we recieved yesterday explaining that the policy had been cancelled and we should return the documents.
All of this is surely irrelevant anyway because when I called them on the 17th Jan the rep told me that the policy will not be cancelled and he took my payment details, sent me a direct debit mandate which I signed and returned. I also recieved a letter confirming the change of payment details dated the 17th
I also called on another occasion prior to the policy being cancelled on the 28th Jan because we recieved another letter regarding cancellation. The rep confirmed to me that my payment details were taken and that the policy will not be cancelled. Then they cancelled the policy without even attempting to take payment from me at all.
Surely this is wrong of them. Did they not have a legally binding contract with me when accepting my details for payment?0 -
If the question asks about cancelled policies then it need to be disclosed, you might be able to mitigate the effect by explaining the circumstances but don't risk non disclosure
Which means we cannot use price comparison websites. Meaning that we are now permanently disadvantaged because of them doing this. Thats not fair at all.
They just keep blaming the system that they have in place and telling me there is nothing they can do, but the system that they use to conduct business is not my fault, I dont make them conduct business in the way that they choose to. Surely thats their fault, not mine.0 -
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Its not their fault funds were not there, its upto you to ensure the funds are there end of.0
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Its not their fault funds were not there, its upto you to ensure the funds are there end of.
You should read my posts thoroughly before posting unhelpful opinions which are irrelevant to the situation.
My account has had and will have money in it. Co-op insurance failed to take payment from me.0
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